Michael Battle, WalletHub Credit Card Analyst
@mikebattle
There is only one First Premier Bank unsecured credit card application. You can’t choose which of the 20+ offers to apply for, and the terms in your eventual offer will depend on your creditworthiness. But all of the unsecured First Premier credit cards offered will require a one-time fee of at least $25 (max. $95), a first-year annual fee of $75-$125 ($45-$49 after the first year), and varying monthly fees.
You can get approved for a First Premier unsecured credit card with bad credit, but it’s worth considering whether you should. These cards come with expensive fees, generally low credit limits, and high APRs, so you might be better off putting down a deposit on a secured credit card to build your credit instead. First Premier offers a secured credit card with a minimum deposit of $200 and an annual fee of $50. Plenty of other credit card companies have secured cards too.
Thom Fotenberg, WalletHub Credit Card Analyst
@thom.f
First Premier Bank has an unsecured credit card, simply called the First Premier credit card. But it only has a credit limit of $300 and you'll have to deal with an annual fee ranging between $75 - $125 in the first year and $45 - $49 after.
Far from a stellar deal if you ask me.
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