Person using FCB Platinum VISA card to make a purchase

Personal Platinum Visa®

Take advantage of a First Community Bank of the Heartland credit card and consolidate all of your financial needs with one service-oriented bank.

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Personal Platinum Visa®

The Platinum Visa® Card from First Community Bank of the Heartland lets you choose between a full 1% cash back or the buying power of Platinum benefits.

  • Platinum: Give yourself the buying power of Platinum with a low interest rate and valuable card member benefits.
  • Platinum Cash Back: Earn cash back on all purchases. You can earn it on groceries, gas, online purchases and everything else you buy. There are no spending tiers or minimums, $35 annual fee.

0% intro APR on purchases and balance transfers for the first seven billing cycles after account opening. Pay no interest on purchases and balance transfers no matter which card you choose. Promotion does not include cash advances. After that, APR for purchases, balance transfers, and cash advances will vary based on the Wall Street Prime Rate: prime +10.00% for Platinum accounts and prime +8.00% for Platinum Cash Back accounts.

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Access Your Account 24 Hours a Day

  • Oversee all of your account activity at a glance
  • Manage payment options and transactions
  • Update your profile information
  • Set account alerts to track payments and balances
  • Manage your account, anytime, anywhere


The Peace of Mind of Visa® Zero Liability

You only pay for purchases you have authorized on your card. Unauthorized purchases are NOT your responsibility.

The Visa Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must promptly call 1-866-598-1769 to report any unauthorized use.



A penalty APR of prime +20.00% may be applied to late payments. Payments are due at least 25 days after the close of each billing cycle. If you are charged interest, the charge will be no less than $2.00. A transaction fee of either $5 or 3%, whichever is greater, will be applied to balance transfers and cash advances. Foreign transactions will be charged 2% of the transaction in U.S. dollars. Up to a $25 fee may be applied to late and returned payments

Subject to credit and underwriting approval. Certain fees and restrictions may apply or other terms and conditions may apply.