Key Features
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Competitive Rates
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Anytime Funds
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No Annual Fee
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Local Service
Shopping Season is Here!
Shop with your First Community Credit Card between November 26th and December 1st and get a great rate of 2.99%APR!1
First Community offers Visa Credit Cards with competitively low Annual Percentage Rates (APR), no annual fees, and other great benefits. Explore the perks and benefits of each card below.
Competitively Low APR
7.90% - 16.90%
Balance Transfer Fee
No
Annual Fee
No
Cash Advance Fee
No
Auto Rental Collision Damage Waiver
Yes
Travel Accident Insurance
Yes
1% Foreign Transaction Fee
Yes
Secured Funds Required
No
Rewards*
No
Competitively Low APR
7.90%
Balance Transfer Fee
No
Annual Fee
No
Cash Advance Fee
No
Auto Rental Collision Damage Waiver
Yes
Travel Accident Insurance
Yes
1% Foreign Transaction Fee
Yes
Secured Funds Required
Yes
Rewards*
No
Competitively Low APR
11.90% - 20.90%
Balance Transfer Fee
No
Annual Fee
No
Cash Advance Fee
No
Auto Rental Collision Damage Waiver
Yes
Travel Accident Insurance
Yes
1% Foreign Transaction Fee
Yes
Secured Funds Required
No
Rewards*
Yes
*Visa Platinum Preferred rewards can be redeemed here. (Rewards cannot be redeemed for gift cards - except for Budget and Avis car rental.)
Card Controls
Use Card Controls on your First Community debit and credit cards to receive real-time alerts any time your card is used, letting you know immediately if there are unauthorized purchases on your card.
Online Credit Card Payment Address
Please send all credit card payments to PO Box 37035 Boone, IA 50037-0035. If you have automatic payments set through us or any other financial institution to make payments to our credit cards, please make sure you are using the correct payment address.
One-Time Passcode (OTP)
From time to time, when you make an online purchase with your Visa Credit Card, First Community will initiate a verification pop-up window on the merchant page to confirm the purchase is not fraudulent. There is no opt-in requirement for these types of messages, and they will be received automatically if required. To confirm the purchase is legitimate, you will receive a one-time passcode (OTP) either by email or text to enter into the online pop-up window. Do not share this password with anyone else.
How can we reach you? Please make sure your email and mobile phone numbers are up-to-date in our system. Otherwise, you won't receive the one-time passcode, and your transaction will most likely be declined by the merchant.
Forms and Disclosures
- Balance Transfer Form
- See disclosures for all cards
- Download a printable Transaction Dispute Form
- Report a lost or stolen card
1 Any new purchases made between November 26th and December 1st, 2025 will accrue interest at the rate of 2.99% APR through December 9, 2026. As of December 10, 2026, the original contracted rate under your credit card agreement will apply to any remaining balance owed. In addition to this promotional rate, as provided in your credit card agreement, we do not charge interest on new purchases if you pay your entire balance in full each month by the payment due date.