How to Apply for the First Commercial Bank Platinum Visa Card

If you are currently banking with the First Commercial Bank and are looking for an easy-to-use credit card, the First Commercial Bank Platinum Visa Card is probably a good choice for you.  With an APR as low as 7.49% (APR is subject to change) and no annual fee, this card is extremely inexpensive for the financially responsible.  Additionally, the Platinum Visa is accepted internationally, so it’s useful for travellers. You also get 0% interest for the first 6 months!  If you’re interested follow along through this step-by-step guide to applying for your  First Commercial Bank Platinum Visa Card.

Please consult the First Commercial Bank privacy policy before continuing and entering any personal information.


In order to be eligible to apply for a First Commercial Bank Platinum Visa Cardyou must:

  • Be at least 18 years old
  • Reside in Alabama, Florida, Georgia, North Carolina, South Carolina or Tennessee
  • Have a valid SSN

How to Apply

Step 1- Go to this webpage and click Apply Now.


Step 2- To continue the online application you will have to be an existing online banking customer.  If you don’t have an online account, scroll down for more instructions.

Assuming that you already have an online banking account, you will first select this option, then enter your:

  • User ID
  • Password

Now, click Enter.  Your existing account information will be used, be prepared to answer some questions to prove your identity.  Once you have completed these steps, continue to Step 3.first-comersh-apply2

If you do not already have an online account with the First Commercial Bank, you will have to call them at 1 (888) 796-6887, or go to your local branch, to apply for the First Commercial Bank Platinum Visa Card.first-comersh-apply3

Step 3- After having completed the application, read the text below as well as the Terms and Conditions.  If you agree to these terms, tick the box indicating that this is the case and click Submit.  Your application for a First Commercial Bank Platinum Visa Card is complete!  You should receive a confirmation with seven to ten business days.