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First Premier Bank Centennial® Classic Credit Card

first premier bank centennial credit card

First Premier Bank Centennial® Classic Credit Card

2.0WalletHub Rating

WalletHub Rating

2.0

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.

User Reviews

2.9

Market Comparison

1.9

fees: 2.5

rewards: 0.0

cost: 1.3

Other Features: 3.3

TermsReviewsFAQContact

WalletHub Rating

2.0/5

First Premier Bank Centennial® Classic Credit Card has a rating of 2.0/5 according to our proprietary credit card rating system. This rating reflects how appealing First Premier Bank Centennial® Classic Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. 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'. To break it down further, First Premier Bank Centennial® Classic Credit Card earned a score of 2.5/5 for Fees, 0.0/5 for Rewards, 1.3/5 for Cost, and 2.9/5 for User Reviews.

WalletHub Rating Breakdown

User Reviews

2.9/5

113 reviewsRead and write reviews

Market Comparison

1.9

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Rebuild Damaged Credit by Paying in Full Each Month” for this card.

Fees

2.5

Rewards

0.0

Cost

1.3

Other Features

3.3

1.9/5

Compared against 1,500+ credit cards

KEY TERMS

Bad Credit

Minimum Security Deposit

$150

Fees

One-Time Fees$0

Annual Fee$75 1st yr, $45 after

Monthly FeeNone 1st yr, $6.50 after

APR on Purchases

36% (V)

First Premier Bank Centennial® Classic Credit Card's Additional Info

Upon approval, fund a Security Deposit of $150.00 to open your account and access your $300 credit limit.

Your credit limit will be $300.00 with a $75.00 Annual Fee and $225.00 of available credit, given the $75 Annual Fee that is charged on the card.

Your account history reports 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.

First Premier Bank Centennial® Classic Credit Card Pros & Cons

Qualify with bad credit

High regular APR

Foreign fee

Requires security deposit

Compare The First Premier Bank Centennial® Classic Credit Card vs. Popular Alternatives


2.0WalletHub Rating WalletHub Rating 2.0 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. User Reviews 2.9 Market Comparison 1.9 fees: 2.5 rewards: 0.0 cost: 1.3 Other Features: 3.3	4.7WalletHub Rating WalletHub Rating 4.7 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 5.0 User Reviews 3.7 Market Comparison 4.8 fees: 5.0 rewards: 5.0 cost: 5.0 Other Features: 3.0	2.7WalletHub Rating WalletHub Rating 2.7 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 3.0 User Reviews 3.7 Market Comparison 2.6 fees: 2.5 rewards: 5.0 cost: 1.5 Other Features: 4.7
(113)	(2,972)	(585)
minimum deposit$150	minimum deposit$200	minimum depositNo Deposit Needed
one time fees$0	one time fees$0	one time fees$0
annual fee$75 1st yr, $45 after	annual fee$0	annual fee$75 intro 1st yr, $99 after
monthly feeNone 1st yr, $6.50 after	monthly fee$0	monthly fee$0
Regular APR36% (V)	Regular APR26.74% Variable	Regular APR29.24% (V)
rewards rateNone	rewards rate 1 - 2% Cash Back	rewards rate 0 - 1% Cash Back
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about First Premier Bank Centennial® Classic Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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.

First Premier Bank Centennial® Classic Credit Card Reviews

Share your insights and review for the First Premier Bank Centennial® Classic Credit Card

2.9

What's Your Rating?

John
September 4, 2022 • @patriotmctow

Verified Customer

Using it to build my credit. Has an annual fee but, that's just the cost of doing business. Haven't had any problems with it yet. Overall it does what I need it to

Comment

Anonymous
October 11, 2021 • @Anonymous

Verified Customer

They take FOREVER to post ACCURATE. They charge you a $8.00 fee each month even when you have a ZERO balance. Talking to them is always USELESS so l CLOSED my ACCOUNT.

Comment

+ 111 WalletHub users submitted a rating without writing a full review

Review First Premier Bank Centennial® Classic Credit Card

Important Disclosures

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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.

* The information about the following cards has been independently collected by WalletHub: Bank of America® Customized Cash Rewards Secured Credit Card, U.S. Bank Cash+® Visa® Secured Card, Citi® Secured Mastercard®, and Bank of America® Travel Rewards Secured Credit Card.

Offer last updated: Nov 5th, 2025 at 10:21 ET

First Premier Bank Centennial® Classic Credit Card

First Premier Bank Centennial® Classic Credit Card

Credit Score

Minimum Security Deposit

Fees

APR on Purchases

First Premier Bank Centennial® Classic Credit Card's Additional Info

First Premier Bank Centennial® Classic Credit Card Pros & Cons

Compare The First Premier Bank Centennial® Classic Credit Card vs. Popular Alternatives

Questions & Answers

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First Premier Bank Centennial® Classic Credit Card Reviews

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