First Premier credit cards are cards issued by First Premier Bank and targeted to people with bad credit. First Premier credit card offers are known for high fees, high interest rates, and low credit limits. If you have a question about an existing credit card account from First Premier, you can reach the company’s customer service department at 800-987-5521. If you’re interested in applying for a card, you can compare the available offers below
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.0
User Reviews
3.0
Market Comparison
1.4
fees: 1.1
rewards: 0.0
cost: 0.7
Other Features: 4.3
One-Time Fees→$55 - $95
Regular APR→36%
One-Time Fees
$55 - $95
Regular APR
36%
annual fee
$50 - $125 1st yr, $45 - $49 after
monthly fee
$0 - $8 1st yr, $6.25 - $10.4 after
minimum credit
Bad
WalletHub's Take: The First PREMIER credit card is an expensive unsecured card for people with poor credit. You should avoid the First PREMIER Mastercard if you don't have bad credit and you don't need to borrow a small amount of money for emergency expenses.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Based on your creditworthiness, this card requires a one-time up front Processing Fee of $55 - $95, to be paid in full before the Credit Account is opened. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
Fees reduce your available credit. For example, if your initial credit limit is $300, your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.
Based on your creditworthiness and credit limit assigned, this card’s annual fee could be $50 - $125 in the first year, $45 – $49 after.
Based on your creditworthiness and credit limit assigned, this card’s monthly fee could be $0 - $8 in the first year, $6.25 - $10.40 after.
Your account history reports to the major Consumer Reporting Agencies
Use your card everywhere Mastercard® cards are accepted.
Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
*We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Upon approval, fund a Security Deposit of $200 to open your account and access your available credit.
Once your account is opened, you may have the opportunity to build your credit limit to a maximum of $5,000 by making additional deposits.
Reports monthly to the major Consumer Reporting Agencies.
Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
* We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.8
User Reviews
3.3
Market Comparison
3.2
fees: 2.8
rewards: 4.0
cost: 2.9
Other Features: 4.5
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→29.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
29.49% (V)
annual fee
$39
rewards rate
0 - 1% Cash Back
minimum credit
Fair
WalletHub's Take: The Credit One Bank® Platinum Visa® is a decent unsecured credit card for people with fair credit that offers 1% cash back on eligible purchases and charges an annual fee of $39. Although it does not require a security deposit, the Credit One Bank Credit Card is not cheap. For example, it charges interest at an annual rate of 29.49% (V), while the market average is 22.76%.
Pros
Rewards on eligible purchases
Qualify with fair credit
Cons
Membership fees
High regular APR
Foreign fee
Rewards Details
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Additional Info
The information about the Credit One Bank® Platinum Visa® has been collected by WalletHub and has not been reviewed or provided by the issuer of this product.
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Free Online Credit Score and Credit Report summary, terms apply
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
Show off your personality by selecting from a variety of card designs, a fee may apply
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.6
Market Comparison
3.6
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 3.8
Secured Credit Card→Min Deposit of $49, $99 or $200
One-Time Fees→$0
Regular APR→29.49% (V)
Secured Card
Min Deposit of $49, $99 or $200
One-Time Fees
$0
Regular APR
29.49% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The Capital One Platinum Secured Credit Card is good for beginners who want to build credit at a low cost. This card is worth getting because it has a $0 annual fee, does not require a big deposit, and reports to all three major credit bureaus on a monthly basis. That allows you to build credit for free if you manage your account responsibly.
Pros
No annual or monthly fees
Starting credit line of at least $200
Great for credit-building
Cons
No rewards
Higher-than-average interest rate
Additional Info
Balance Transfer APR: 29.49% (Variable); Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.6
Other Features: 5.0
One-Time Fees→$0
Regular APR→35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$175 1st yr, $49 after
monthly fee
$0 1st yr, $12.50 per month after
minimum credit
Bad
WalletHub's Take: The Indigo Credit Card is an expensive credit card for people with bad credit, offering a $700+ credit limit with no security deposit needed. The Indigo Card has an annual fee of $175 for the first year ($49 after), which is joined by a monthly fee after 12 months.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Get the credit limit you deserve—$700 guaranteed if approved
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.8
Other Features: 4.7
One-Time Fees→$0
Regular APR→35.90% (Fixed)
One-Time Fees
$0
Regular APR
35.90% (Fixed)
annual fee
$75 - $125
monthly fee
$0 1st yr, $12.50 after
minimum credit
Bad
WalletHub's Take: The Surge® Platinum Mastercard® is a legit credit card for people with bad credit, issued by Celtic Bank. It reports to the three major credit bureaus each month, which gives you the opportunity to build credit by paying the bills on time and using only a portion of your credit limit. It also has the potential for a fairly high credit limit.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
First Premier Bank issued me a credit card, designed to assist with building my credit. This institution imposes numerous upfront fees, approximately $200.00, resulting in an immediate payment of $30.00. Based on my experience with credit card companies and banks specializing in credit building, First Premier Bank appears to take advantage of individuals seeking to establish or improve their credit, often without their knowledge. Various credit products and cards are available to help consumers enhance their credit profiles with more favorable credit limits and lower fees. I find it surprising that First Premier Bank continues to operate in 2025, charging numerous fees. I strongly advise against using First Premier Bank's services.
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Product: First PREMIER Bank Credit Cards
Comment
1
0
clarygreen823 @clarygreen823
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1 Star Rating
On July 4th, 2025, I made a payment of $552.00 to First Premier Bank towards my $708.00 balance. Of course, I did this by phone because paying online is counterproductive. I went on with life, overjoyed I got my balance down to $162.00 and just needed one more check to be done with them for good. Six days later (July 10th, 2025), I attempted to buy groceries online, but I got a notice for insufficient funds. I was confused because I knew I should have more than enough credit in the bank. I learned that I had insufficient funds, and they've been retrying payments without my consent. I didn't get a text, an email, or a call that I had insufficient funds. I had to call my bank and stop the retries with a $36.00 fee to do so. I had to wait, with no money, because my money was pretty much held hostage in pending mode for 3 days. When I got my money back, I didn't get a full $552.00 refund as I was supposed to; I got only $302.00 back. They took the $248.00 and did not apply it to my balance. I was emotionally devastated, cried, and had panic attacks. This issue was easily fixable. All they had to do was text or email me that I had insufficient funds, but they used it as an excuse to trap me in debt with them further. They allowed me to believe my payment was successful, letting me spend for a week, then used what I spent against me. What was previously just $162.00 is now over a thousand in balance. Please avoid this credit card company. They are dishonest, predatory, unreliable and not forthcoming. Citi, Capital One, Discover are much more trustworthy, protective, and honest with customers.
NEVER GET THIS CARD. They are the worst credit card company in the history of the planet. If I could give them negative 5 stars, I would. They do not deserve to be in business. They charge monthly fees and the highest interest rate of 36 percent. They charge you $25.00 to increase your credit by only $100.00. They do illegal things also, like increasing your fees when you close the credit card if you're past your annual month. This credit card company should be closed and never be allowed to do business. I advise everyone not to apply for or open an account with this credit card company; you will regret it.
Horrible service! I closed my account on August 25 with them. At the moment, I have $400.00 with Premier Bank and I still need to wait more time to get my own money. It's September 15 and they still say that I need to wait. This is ridiculous and a shame for First Premier Bank.
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Product: First PREMIER Bank Credit Cards
Comment
1
0
Limontamera @Limontamera
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1 Star Rating
Verified Customer
The fees are outrageous, including a monthly fee, an annual fee, and a credit limit fee. This company is a total rip-off and should be sued for predatory lending. Moreover, the interest rates are insane. I closed my two accounts with them, and in doing so, I had to tell the representative five times that I did not want a $50.00 credit on each card to keep them open. I insisted that they close my accounts immediately. They charge $6.25 each month plus an annual fee of $55.00 to $75.00. On top of that, there is a $25.00 charge for a credit limit increase for a $100.00 line increase. It is absolutely a rip-off.
Due dates end at 5 pm Central Time and will incur a late fee when the website states a pay-by date, not the time of day. I've closed both of my credit cards with them yesterday due to this issue and I'm done paying a yearly fee for the credit I've established
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Product: First PREMIER Bank Credit Cards
Comment
1
0
Teresa Speece @teresa71speece
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1 Star Rating
So, I obtained a secured credit card because I am working on my credit. I deposited my $200 and the annual fee. I paid the balance every time I used the card. I didn't wait until the due date; I just paid it as I used it. I thought this was beneficial. Nope! Suddenly, they suspended my card because I needed to prove I am the owner of the bank account. Seriously? I have had the card for over a month now. Don't you think if it wasn't my account they would have known by now? I called them and told them to close my account because I am not uploading my banking information over the internet. Why? Because they already have it! I understand the fraud concerns, but come on... because I wasn't accruing any fees and because I paid my balance as I used it, they cut me off and want me to send my banking statement over the internet? I am a class member of three data breaches already.
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Product: First PREMIER Bank Credit Cards
Comment
1
0
armando c @Axel_f_keyboard88
Report Abuse
1 Star Rating
Verified Customer
I told them I filed for bankruptcy, but they kept tacking on more late payments, and now it shows over the limit too. Fix this! It's unfair and illegal to keep the account open for months after I filed for bankruptcy, then make it appear that I went over the limit. My account was in good standing when I filed for bankruptcy!
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Product: First PREMIER Bank Credit Cards
Comment
0
0
Douglas Thurman @douglasthurman055
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5 Star Rating
Verified Customer
Love them—very good customer service and timely attention to client concerns. Applicants are most often approved, and it's up to them to build after that.
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Product: First PREMIER Bank Credit Cards
Comment
0
1
jamisebrown2 @jamisebrown2
Report Abuse
1 Star Rating
Next to impossible to pay Premier. You actually have to call on the phone for debit card payments which allow payment to post immediately. The call takes you through at least 7 steps before you can pay. (No online option for card payment online or through the app) in 2025. Wow.
Get answers to your questions about First Premier Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Yes, First Premier is a real credit card issuer that offers Mastercard credit cards. It accepts applicants with bad credit and offers both secured and unsecured credit cards that can help you build or rebuild your credit history.
First Premier unsecured cards may seem attractive because they are relatively easy for people with bad credit to get and don't require a deposit. But, they do charge several fees that make them expensive cards to get. Unlike a deposit on secured cards, none of these fees are refundable.
The First PREMIER® Bank Secured Credit Card is less costly, with a $50 annual fee on top of a minimum $200 deposit. This is still expensive for a secured card, and there are better secured and unsecured cards out there for people with bad credit.
To apply for a First Premier Bank credit card, fill out an application on their website. Unfortunately, you can't apply for a First Premier credit card over the phone.
You can make a First PREMIER Bank credit card payment online, by phone, through the First PREMIER Bank mobile app, by mail or at a branch. To pay a First PREMIER Bank credit card bill online, log in to your online account. Then, choose how much to pay, when to pay it, and where the payment is coming from. First PREMIER Bank does not allow cardholders to set up automatic payments.
You can check your First PREMIER Bank credit card application status by calling 1-800-987-5521. When you call, you'll need to provide your Social Security number so that First PREMIER Bank can match you to your application. You cannot check your First PREMIER Bank application status online.
How to Check Your First PREMIER Bank Credit Card Application Status
You can reach the First Premier credit card customer service at (800) 987-5521. Keep in mind that representatives are available Monday - Friday: 7:00 am - 9:00 pm CT and Saturday: 8:00 am - 4:30 pm CT. Otherwise, you will have to deal with their automated system.
Another way to contact First Premier is at one of their locations, and you can identify the nearest one on their website.
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* The information about the following cards has been independently collected
by WalletHub: First PREMIER® Bank Mastercard Credit Card, First PREMIER® Bank Secured Credit Card, and Credit One Bank® Platinum Visa®.
