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First Command Classic Visa review

You’ll get low interest rates, but no rewards.

  • Get this card if you often carry your balance.
  • Pick something else if you want to earn rewards on your purchases.
  • Apply for this card with a good to excellent credit score of 670 or higher.
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Annual fee


Purchase APR (variable)


Recommended credit score


Annual fee$0
Welcome OfferN/A
Purchase APR12.25% variable
Balance transfer APRN/A
Recommended minimum credit score670

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 Classic Visa is a simple credit card with a few positive features: It comes with a $0 annual fee, a low variable APR of 12.25% and no foreign transaction fees.

On the downside, however, there’s no 0% intro APR period on purchases or balance transfers, no rewards program and no signup bonus. This makes the card an option worth considering only if you carry your balance often. Otherwise, there are better no-annual-fee credit cards to choose from.

How to apply for the First Command Classic Visa?

To apply for the card, you must be an existing First Command Bank customer. Here’s how the process goes:

  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 are a First Command Bank customer, send your request at

What credit score do I need?

You need a good credit score of 670 or higher.

Compare intro APR credit cards

Consider a card with 0% intro APR on purchases for an even lower APR.

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Citi Simplicity® 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)
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 13.74% to 23.74% variable)
0% intro for the first 18 months (then 13.74% to 23.74% 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.
Citi Custom Cash℠ Card
0% intro for the first 15 months (then 13.99% to 23.99% variable)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).

Compare up to 4 providers

Bottom line

The First Command Classic Visa is a simple card without much to set it apart from its competitors. While it has no annual fee and no foreign transaction fees, it also doesn’t come with rewards. The only feature going for this card is its relatively low APR.

For those reasons, there are better options if you always pay your balance on time. Make sure to compare credit cards until you find the right fit for your financial needs.

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