The First Community Bank is a personal credit card from First Community Bank. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.99% to 28.24% 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: 15,000 bonus points after eligible Net Purchases totaling $500 or more within 90 days from account opening. Rewards: 1 Point per dollar spent on eligible Net Purchases; 4 Points per dollar spent on eligible Net Purchases for your first $2,000 each quarter at merchants classified as a restaurant, fast-food restaurant or bar; 2 Points per dollar at merchants classified as gas station and electric vehicle charging station, grocery store and supermarket, and qualifying streaming subscription services.