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 $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% 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 No introductory APR introductory rate. Signup bonus: 25,000 bonus points after eligible Net Purchases totaling $2,000 or more within 120 days from account opening. Rewards: 1.5 Points per dollar spent on eligible Net Purchases; 4 Points per dollar spent on eligible Net Purchases from merchants classified in qualifying travel, gas station and electric vehicle charging station, entertainment, and recreation category codes.