The First Community Bank is a business credit card from First Community Bank. Application typically pulls a credit report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account; this APR will vary with the market and is based on the Prime Rate (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and on balances transferred within 366 days from account opening introductory rate. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back at dining (incl. takeout and restaurant delivery), gas and EV charging stations, office supply stores and cell phone service providers; 5% on prepaid car and hotel reservations in the Travel Center; 1% on other eligible purchases.