Bank · FDIC insured
First Community Bank Credit Card Rates
First Community Bank credit card rates start at 13.40% APR. Rates checked October 22, 2026.
How First Community Bank’s credit card rates compare
Compared with banks and credit unions near Bluefield, WV-VA, where First Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Community Bank
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
National Bank of Blacksburg
9.00%APR
- Annual fee
- None
2nd-lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Personal Credit Card
Credit review and approval required. No annual fee. Balance calculation uses Average Daily Balance method (including new purchases). Penalty APR is None. Minimum interest charge is $1.00 if charged interest.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR on merchandise transactions for 12 months from card date of issue; not valid on reissued cards. May end if a late payment is made. |
| Ongoing | 13.40%–22.40% | None | Variable APR for purchases after introductory period based on creditworthiness (Prime Rate + 6.65% to 15.65%). |
| Ongoing | 16.40%–25.40% | None | Variable APR for balance transfers based on creditworthiness. Balance transfer fee: either $10 or 5% of the amount of each transfer, whichever is greater. |
Sources (2)
- firstcommunitybank.com/terms-and-cardholder-agreement
- firstcommunitybank.com/borrow/loans-credit/credit-cards
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.