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First Command Platinum Visa review

Get low interest rates and a $5,000 minimum credit line.

  • Get this card if you often carry your balance.
  • Pick something else if you want to earn rewards on your purchases.
  • Apply with an excellent credit score of 720 or higher.
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$0

Annual fee

8.25%

Purchase APR (variable)

720

Recommended credit score

Details

Annual fee$0
Welcome offerN/A
RewardsN/A
Purchase APR8.25% variable
Balance transfer APR8.25% variable
Minimum Credit Score720
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The First Command Platinum Visa is a simple credit card with a $0 annual fee, a low variable APR of 8.25% and a high minimum credit limit of $5,000. Also, you won’t pay any fees on balance transfers and foreign transactions.

However, you won’t earn any bonus when you sign up. First Command Bank advertises that you can earn points with the ScoreCard rewards program, although further information on how many points you can earn, and on which categories, is hard to find.

How to apply for the First Command Platinum Visa?

To apply for the First Command Platinum Visa credit card, you must be an existing First Command Bank customer. Here’s how it works:

  1. Visit the First Command Bank website and click Get started.
  2. Fill out the form with some basic information and your contact information.
  3. Wait for First Command Bank to contact you.
  4. If you’re a First Command Bank customer, send your request at FCBVisaInbox@firstcommand.com.

What credit score do I need?

You need an excellent credit score of 720 or higher.

Compare credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
N/A
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 13.99% to 23.99% variable)
N/A
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Citi Simplicity® Card
0% intro for the first 12 months (then 14.74% to 24.74% variable)
0% intro for the first 21 months (then 14.74% to 24.74% variable)
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With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
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Bottom line

The First Command Platinum Visa is a no-frills credit card with no annual fee, no foreign transaction fees and no balance transfer fees. Also, you get a low variable APR of 8.25% and a high minimum credit line of $5,000.

But if you’re looking for a more rewarding option without paying an annual fee, compare credit cards with rewards until you find the right fit for your financial needs.

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