First Command Classic Visa review April 2021 | finder.com
finder.com
Advertiser Disclosure
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

First Command Classic Visa review

Avatar
Kliment Dukovski
Last updated:  

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.

$0

Annual fee

12.25%

Purchase APR (variable)

670

Recommended credit score

Details

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

Expert review

Avatar

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 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 FCBVisaInbox@firstcommand.com.

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
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
N/A
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Apply now
View details
Chase Freedom Unlimited®
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
$0
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.
Apply now
View details
Citi® Diamond Preferred® Card
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)
$0
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.
Apply now
View details
loading

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site