Report Abuse
4 Star Rating
Verified Customerthis card really help me with my credit good card to have when you are trying to boost your credit really recommend this card to any one
Product: First PREMIER Bank Credit Cards
Comment
Ad Disclosure
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.
First Premier Bank
Updating Results
One-Time Fees$55 - $95
Regular APR36%
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 a pricey unsecured card for people with poor credit who need to borrow a small amount of money for emergency expenses and have few alternatives. Everyone else should avoid the First PREMIER Mastercard because of its very high fees, which include a processing fee, annual fees of $50 - $125 1st yr, $45 - $49 after and monthly fees of up to $10.40, among others.
Read our editor's full First PREMIER Bank Mastercard review.
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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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.
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR19.9%
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
19.9%
annual fee
$50
monthly fee
$0
minimum credit
Bad
WalletHub's Take
Pros
- Qualify with bad credit
Cons
- Membership fees
- High regular APR
- Foreign fee
- Requires security deposit
Read our editor's full First PREMIER® Bank Secured Credit Card review.
Additional Info
- 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.
Featured Credit Cards
Ad DisclosurePurchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR28.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
28.99% (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 28.99% (V), while the market average is 22.39%.
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
- 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
Secured Credit CardMin Deposit of $49, $99 or $200
One-Time Fees$0
Regular APR30.49% (V)
Secured Card
Min Deposit of $49, $99 or $200
One-Time Fees
$0
Regular APR
30.49% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The Capital One Platinum Secured Credit Card is a very good credit card for building credit at a low cost. The card is easily worth it because it offers a $0 annual fee and a $200 starting credit limit in return for a refundable security deposit that could be as low as just $49. Or, the deposit requirement could be $99 or $200, depending on the specifics of your credit history and the current state of your finances.
Pros
- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
Cons
- No rewards
- Higher-than-average interest rate
Additional Info
- 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 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
One-Time Fees$0
Regular APR24.9%
One-Time Fees
$0
Regular APR
24.9%
annual fee
$0 - $99
monthly fee
$0
minimum credit
Bad
WalletHub's Take: The Indigo Credit Card is a pretty good unsecured credit card for people with bad credit, offering a $300+ credit limit with no security deposit needed. The Indigo Card has an annual fee of $0 - $99, which is worth paying if you have damaged credit and need a credit card for emergency borrowing.
Pros
- Qualify with bad credit
- Does not require security deposit
Cons
- Membership fees
- High regular APR
- Foreign fee
Additional Info
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
One-Time Fees$0
Regular APR29.99% (Variable)
One-Time Fees
$0
Regular APR
29.99% (Variable)
annual fee
$75 - $125
monthly fee
$0 1st yr, up to $10 after
minimum credit
Bad
WalletHub's Take: The Surge® Platinum Mastercard® is a legit credit card for people with bad credit. It reports to the three major credit bureaus each month, which allows cardholders to build credit by paying on time and using only a portion of their credit limit. The problem is the Surge Credit Card’s fees can be very high: $75 - $125 annual fee and up to $120 in monthly fees starting the second year. And at 29.99% (Variable), its APR is among the highest on the market. The Surge Card does not offer rewards on purchase, either.
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 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Monthly Credit Score - Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
- Initial Credit Limit of $300 - $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Online account access 24/7
- Checking Account Required
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
First PREMIER Bank Credit Card Reviews
3.3
5,965 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
1 Star Rating
Verified CustomerI am a victim of identity theft. I told the company this and reported the card stolen in May 2023. I have no transactions with this company since May but yet they keep charging me late fees with interest and now the balance is over my credit limit of $500.
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Verified CustomerThere is an annual, monthly fee in addition to the interest each month. You will never pay your balance off if you just pay the minimum amount every month.. The monthly fee is hidden on your statement. Please do yourself a favor and do not apply for this credit card you will regret it. I shredded the card and will be paying off the balance and closing my account. I dont care about the hit my credit score will take. They are robbing people with bad credit without a gun.
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Verified CustomerLiterally the worst credit card to have for a first time card holder. The %apr on this card is ridiculous as well as the customer service. Do research before you apply to any new credit company.
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerI love this app cause it tells you your credit score and if you pay on time and how much I owe and uses on my credit cards it’s a great app to have
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerPremier bank card is accepted nearly everywhere has low annual fee and competitive interest rate great card to have I will share and let others know how well this card works thanks
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerFirst premier bank credit card has help me build my credit. On time payments lead to higher credit limits. I recommend this card to whoever is trying to get credit but can't.
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerThey really work with you and have credit protection with qualifying events for a great price. I got them when I had no credit at all and have been building up my credit with them
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerI Love First Premier they work with me and I highly appreciate them I've been with them for years!!! I have 2 credit cards with them and I have also gotten my credit card limits increased in a decent amount of time.I was always on time paying them I got robbed last year which caused me to be late for a couple payments they didn't cancel me instead they really worked with me so I could maintain my account I highly recommend them they truly have a wonderful staff!!!
Product: First PREMIER Bank Credit Cards
Comment
Report Abuse
2 Star Rating
Verified CustomerYou guys are slow to report payments to credit bureaus 37 days is too long TransUnion says it you, you say it’s them Oy vay crazy!
Product: First PREMIER Bank Credit Cards
Comment
Review First Premier Bank
First Premier Bank Credit Cards FAQ
Get answers to your questions about First Premier Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
- Most Popular
- Most Upvotes
Questions sort
How do I apply for a First Premier Bank credit card?
9
UpvotesReply
WalletHub
To apply for a First Premier Bank credit card, fill out an application on the First Premier Bank website. If you received an invitation to apply for a First Premier credit card in the mail, you'll be able to enter your confirmation number online under “Accept Mail Offer.” Otherwise, click “Apply Now.” Unfortunately, you can't apply over the phone.
How to apply for a First Premier Bank credit card:
- Visit the First Premier Bankcard website.
- If you received an invitation to...
View more answers
How do I make a First PREMIER Bank credit card payment?
0
UpvotesReply
Chip Lupo
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 and find the payment button. 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, too.
...
View more answers
How can I check my First Premier credit card application status?
10
UpvotesReply
Chip Lupo
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
- Call 1-800-987-5521.
- Follow the prompts that lead to an application status check, or connect with a...
How can I log in to my First PREMIER Bank account online?
0
UpvotesReply
Chip Lupo
To log in to your First PREMIER Bank credit card account, go to the login page on the First PREMIER Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “ENROLL” in order to set up a username and password.
How to Log in to a First PREMIER...
How can I pay my First Premier credit card processing fee?
5
UpvotesReply
Maria Adams
You can pay your $55 - $95 First Premier credit card processing fee online. To do so, go to the application page and follow the instructions on the online application form. You can also arrange a payment over the phone at (800) 987-5521. Keep in mind that you are required to pay the program fee in order to open your First Premier credit card account.
Things to know about the First Premier credit card processing fee:
- There are multiple...
View more answers
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: First PREMIER® Bank Mastercard Credit Card, First PREMIER® Bank Secured Credit Card, Indigo® Mastercard® for Less than Perfect Credit, and First PREMIER® Bank Credit Card
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
FEATURED Credit Cards
Surge® Platinum Mastercard®