First Classic VisaFirst Command Bank · SB bank, TX · FDIC 34415

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

12.24%

p.1variable

Balance transfer

—

Cash advance APR

12.24%

p.1variable

Annual fee

p.1none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	12.24% variableFirst Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.24% This APR will vary with the market based on the Prime Rate.”First Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	12.24% variableFirst Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“12.24% This APR will vary with the market based on the Prime Rate.”First Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0First Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”First Command Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

FCB First Classic Visa Pricing Sheetpage 1 of 2

Fees

Pricing Information in effect as of August 28, 2023

First Classic Visa

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 12.24% This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 12.24% This APR will vary with the market based on the Prime Rate. Default APR and When It Applies · 18.00% This APR may be applied to your account when the full balance becomes due and payable, and you have been notified of an APR increase. How Long Will the Penalty APR Apply? The Default APR, once activated, will apply indefinitely. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Federal Reserve Board · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau as https://www.consumerfinance.gov/learnmore/

Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · None Either $2.00 or 2.00% of the amount of the cash advance, whichever is greater. None Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment · The lesser of $15.00 , or 5.00% of each Minimum Payment which is not made within 30 days after the applicable Payment Due Date. None $20.00

1 2Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

First Command Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.24% This APR will vary with the market based on the Prime Rate.”
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First Command Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“12.24% This APR will vary with the market based on the Prime Rate.”
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First Command Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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First Command Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Cash advance APR, Purchase APR

Offered through: First Command Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34415
Branches: 1 in TX
Sources: Official issuer · 1 document · 1 page cited

Documents

FCB First Classic Visa Pricing Sheeteffective date not parsed

First Classic VisaFirst Command Bank · SB bank, TX · FDIC 34415

Rates and fees