What's the best First Premier Bank unsecured card?

This question is about First PREMIER® Bank Credit Cards

MICHAEL BATTLE, Credit Card Gamer

@mikebattle 08/05/20

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, Avid backpacker

@thom.f 04/10/19

Permalink Report

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.

People also ask

How can I get a First Premier Bank credit limit increase?

You can request a First Premier Bank credit limit increase by logging into your First Premier account online and clicking “Credit Limit Increase” on the left side of the page. Then, select your account and click “Request Increase.” You will 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.… read full answer

If you have demonstrated responsible payment behavior, they may grant you an increase. If they give you a credit limit increase, however, keep in mind that First Premier will charge you a fee equal to 25% of the credit limit increase. So you won’t even get to enjoy the full increase.

Another thing to keep in mind is that First Premier might give you a credit limit increase without you asking for one. People in online forums have reported that First Premier Bank has increased their credit limit without them requesting it, and they still got charged the 25% fee. So if you have this card, beware – it already charges a lot of fees, and this is just one more.

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What should I know about getting a First Premier Bank credit card cash advance?

First thing you should know about getting a First Premier Bank credit card cash advance is that you will be able to get a cash advance at virtually any ATM, provided you have a PIN. You can get a PIN by calling the number on the back of your card.

… read full answer

The First Premier cash advance fee depends on which credit card offer you get. It can be as low as 3% or $2 (max. $10), whichever is greater. Or, it can be as high as 5% or $8 with no maximum. So be sure to check your First Premier Credit Card’s terms and conditions before you do a cash advance. You also have to worry about interest, which will start accruing on the same day you take out the cash.

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How can I cancel my First Premier credit card?

To cancel your First Premier credit card account, call their customer service line. Here's the number: 800-987-5521.

Just remember that when you close a credit card account, the total amount of credit that you have available falls. That causes your credit utilization to rise, which is bad for your score. … read full answerNevertheless, First Premier Bank cards have annual fees, so you're better off.

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