What's the best First Premier Bank unsecured card? This question is about First PREMIER® Bank Credit Cards

What's the best First Premier Bank unsecured card?

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This question is about First PREMIER® Bank Credit Cards

Michael Battle, WalletHub Credit Card Analyst

@mikebattle • 08/05/20 This answer was first published on 08/05/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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 • 04/10/19 This answer was first published on 04/10/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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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How to Get a First Premier Bank Credit Limit Increase

Log into your First Premier account online.

Click “Credit Limit Increase” on the left side of the page.

Select your account.

Click “Request Increase” and follow the prompts.

Get a response by mail within 14 days.

Another way to request a credit limit increase on your First Premier Bank credit card is by calling First Premier at 1-800-987-5521 to reach customer service.

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How can I get a First Premier Bank credit card cash advance?

To get a First Premier Bank credit card cash advance, use the credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card’s available cash advance limit. If you do not have a PIN, contact First Premier Bank’s customer service at (800) 987-5521 to request one.… read full answer

There may be other ways to get a cash advance from your First Premier Bank credit card, too. For example, you can request a cash advance in person at a local First Premier Bank branch. You could also write out a First Premier Bank cash advance check and use it like a traditional bank check.

You should keep in mind that a First Premier Bank cash advance can be expensive. A cash advance fee and a separate cash advance APR apply from the moment of the transaction. If you have to get one, then it would be best to pay it off as soon as possible.

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How can I cancel my First Premier credit card?

You can cancel your First Premier credit card at any time by notifying First Premier Bank in writing or by phone at (800) 987-5521.

Keep in mind though, that even after your credit account is closed, you remain responsible for paying any amounts you owe on the credit account, according to the terms of your contract. Your credit score will also take a hit, should you choose to cancel, but it is worth it if the fees are too high.… read full answer

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