First Commercial Bank offers its Visa credit cards, according to its web site, with “No fuss, no frills, no annual fees.” Three types of credit cards are offered by First Commercial Bank; they are the Visa Platinum, the Purchase Perks Visa Platinum, and the Cash Rewards Visa Platinum.
Applying for a First Commercial Bank credit card is “quick and easy” if you visit one of their branch locations in the Birmingham, Alabama area. There is no online application available, neither are specific terms and conditions listed on their web site. Inquiries for such information must be made directly to the bank in person, in writing, or by telephone.
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First Commercial Bank recently launched their CardView service which allows account holders to view and mange their accounts online, 24-hours per day, and free of charge. CardView is a service of Synovus bank, which is also the parent company of First Commercial Bank.
First Commercial Bank Credit Card – Visa Platinum
The Visa Platinum is a standard card with the usual Visa Platinum benefits. A minimum credit limit is established at $5,000 and the card is accepted at over 30 million locations worldwide. Benefits include ATM access, 24-hour customer service, card and cash replacement, auto rental discounts, and convenience checks.
First Commercial Bank Credit Card – Purchase Perks Visa Platinum
In addition to the normal Visa Platinum benefits, card holders choosing the Purchase Perks card enjoy their choice of two rewards programs. Like other rewards credit cards, points can be earned and redeemed for merchandise, gift cards, and travel expenses. In some cases, points can be combined with those earned on other cards.
Concierge service, emergency and travel assistance, emergency evacuation transportation, auto rental damage insurance, reimbursement for lost or stolen luggage, hotel theft coverage, and up to $1,000 of identity theft protection round out the list of benefits for the Purchase Perks card.
First Commercial Bank Credit Card – Cash Rewards Visa Platinum
The Cash Rewards credit card is ideal for those who prefer to be rewarded with cash instead of purchase points. Double cash points are given for each month the account carries a balance forward. Cash points are earned up to a level of $400 annually, paid out through a check issued at the account anniversary. There is no enrollment or participation fee for this card. Use the free tool below to compare credit card offers now!
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