The First Commerce Credit Union is a personal credit card from First Commerce Credit Union. The annual fee is No annual fee. Rewards: uChoose Rewards: earn 1 point for every dollar spent plus extra points with special offers from popular retailers; redeem for merchandise, travel, event tickets and more. Loan terms: Due date at least 25 days after the close of each billing cycle; no interest on purchases if you pay your entire balance by the due date each month.