In order to characterize the nonlinear and time-dependent piezoelectro-viscoelasto-plastic behavior of metal core piezoelectric fiber/polymer (MPF/PM) composites, an incremental micromechanics model of MPF/PM was developed based on the variational asymptotic theory. Firstly, the incremental constitutive equations of polymer and MPF were derived. The energy functional of variational principle for the MPF/PM piezoelectro-viscoelasto-plastic of (MPF/PM) composites was derived based on the Hamilton expansion principle. The incremental process associated with the instantaneous effective electromechanical coupling matrix, and solved by the finite element method. The presented model was used to investigate the effects of different volume fraction of aluminum, the change rate of electric field and loading condition on the effective global stress-strain relationship and uniaxial longitudinal tensile properties. The results show that the constructed model can accurately simulate the nonlinear, time-dependent behavior of MPF/PM composites under electromechanical coupling, which lays a theoretical foundation for the practical application of this new type of smart material.