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First Command Platinum Visa review

Last updated:  

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.


Annual fee


Purchase APR (variable)


Recommended credit score


Annual fee$0
Welcome OfferN/A
Purchase APR8.25% variable
Balance transfer APR8.25% variable
Recommended minimum credit score720

Review by

Kliment Dukovski is a credit cards 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

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)
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

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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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