Take the First Command Bank credit card challenge

At First Command Bank, we believe a credit card should be a helpful tool that provides financial flexibility and convenience-not a burden. So we've created a credit card with all the right features for someone who manages credit responsibly: one low, variable APR for purchases, balances transfers and cash advances; no annual fee; and great rewards and benefits.

In fact, we're so confident the First Command Bank Platinum Visa is the best credit card available that we invite you to take our credit card challenge. Simply compare your current credit card(s) to the FCB Platinum Visa on the following features. You can find this information on your credit card statement, on your cardholder agreement, or by calling your credit card company.

	FCB Platinum Visa	Credit Card :	Credit Card :
Annual Fee	None
Late Payment Fee	5% of the payment due when payment is over 30 days late, $15 maximum
Balance Transfer Fee	None
Cash Advance Fee	2% of transaction amount, $2.00 minimum, $75 maximum
Over-Limit Fee	None
One Low Variable Rate on:	Prime +1% with minimum 7.25% APR
Purchases	7.25% as of 10/1/09
Balance Transfers	7.25% as of 10/1/09
Cash Advances	7.25% as of 10/1/09
Rate after “Promotional Period”	Same low APR of Prime + 1%, minimum 7.25% APR
Earn Rewards Points to be redeemed for:
Airline Travel	Yes
Hotel/Cruise/Vacations	Yes
Merchandise	Yes
Earn Rewards Points for every dollar you spend on purchases	Yes
Rate Penalty (automatic rate increase to “Default APR”) for:
Late Payment	No
Over Limit	No
Other Credit Activity	No