Low Interest Rate Credit Card

Whether you're looking for a new credit card, are tired of paying high interest rates on your current credit card, or just want to have someone who can discuss your credit card account with you in person, the First Commerce Visa is for you!

Unlike cards that lure you in with a low introductory rate that skyrockets later, a First Commerce credit card offers you a reliable low rate year-round. This card is a smart choice if you typically carry a balance on your credit card.

  • Low interest rates
  • No annual fee
  • Use Digital Banking to easily review card activity and make payments
  • Option to link credit card to your First Commerce accounts as overdraft protection
  • Local service
  • Available with Share (Savings) Secured option

As another option, we also offer a Revolving Line of Credit.


Review our credit card disclosures for complete information. For more information or help applying for a credit card, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.