FCB Signature Premier Visa Pricing Sheet

The FCB Signature Premier Visa Pricing Sheet filing from First Command Bank sets out a 18.49% purchase APR and no annual fee. The purchase rate sits at roughly the 39th percentile of the 4,587 agreements indexed here.

The disclosed terms

What follows is drawn entirely from First Command Bank's CFPB filing for FCB Signature Premier Visa Pricing Sheet. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. A balance transfer rate and a penalty rate are not stated.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 18.49% — sits at approximately the 39th percentile and sits below the middle of the distribution.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The cost of carrying a balance

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $305.

Priced at the median of 21.99%, that balance would generate about $369 in a year — so this agreement comes in around $64 cheaper for the same debt.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

The downside terms

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance APR of 18.49%.

Transfers are charged $2 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Transferring $5,000 would cost roughly $100 at the door.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

How it sits in the issuer's own range

This is one of 9 First Command Bank agreements collected here. The issuer's own range is 12.24%–18.49%. At 18.49%, this agreement is dearer than 6 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 18.49% on purchases is near enough to typical.