Minimum Credit Score Needed 
Bad
First PREMIER® Bank Classic Credit Card
Info about the First PREMIER® Bank Classic Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
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Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
19.74% - 25.74% (V)
Annual Fee
$0 - $99
Rewards Rate
0 - 1% Cash Back
Minimum Credit
Bad
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First PREMIER® Bank Classic Credit Card's Key APRs & Fees
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ONE-TIME FEES
$25 - $95
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ANNUAL FEE
$75 - $125 1st yr, $45 - $49 after
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MONTHLY FEE
$0 - $8 1st yr, $6.25 - $10.4 after
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REGULAR RATE
36%
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GRACE PERIOD
27 days
First PREMIER® Bank Classic Credit Card's Highlights
- Based on your creditworthiness, this card requires a one-time up front Processing Fee of $25 - $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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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 $75 - $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.
- Reports your credit history 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 Classic Credit Card's Additional Info
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MAX LATE FEE
$39
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MAX OVERLIMIT FEE
None
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MAX PENALTY APR
None
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FOREIGN TRANSACTION
FEE
3%
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SMART CHIP
Yes, unknown
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CASH ADVANCE APR
36%
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CASH ADVANCE FEE
5% (min $8)
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about First PREMIER® Bank Classic Credit Card to our community.
I just paid my 75.00 fee but I don't know what my line of credit is Reply 51
WalletHub
@WalletHub
According to the First PREMIER’s website, if for example you have an initial credit limit of $500, after the setup fee of $75 is assessed, your available credit will be $425. If you still have questions, you can call customer care at 1-800-987-5521.
5
Upvotes
How long does it take to get your available credit once you pay the $75 processing fee? Reply 31
WalletHub
@WalletHub
You’ll be able to use your available credit once you receive your card, which should come in the mail within 10 business days. Hope this helps!
3
Upvotes
I have applied, received my card with my name on it. If I pay the $95 processing fee today, when will the funds be available to use? Reply 11
WalletHub
@WalletHub
Unfortunately, this information is not made available on the website. Please call customer service at 800-987-5521 for more details.
1
Upvote
When does your available credit go back up? Reply 11
WalletHub
@WalletHub
More credit becomes available to you whenever you pay your bill. To bring your account back to zero balance (meaning you’d have your full credit line available to you and regain your grace period), you will need to pay your bill in full for two months in a row. If you’re interested in requesting a higher credit limit, you can find tips here: http://wallethub.com/edu/how-to-increase-credit-limit/25857/ .
1
Upvote
I just pay $200 on my card and they received the payment last week., and I check my available balance and it didn’t add up. How long it will take to be available? Reply
0
Upvotes
I just paid the initial payment of $95 for the per-approved application. When will I receive the card or a notice form the Bank? Reply
Josephine V
@josephinevey6
It takes about 10 business days maximum for you to get the card.
0
Upvotes
First PREMIER® Bank Classic Credit Card Reviews
Share your insights and review the First PREMIER® Bank Classic Credit Card.
Nov 01, 2019
I paid the $95 program fee and have a available credit for $225 how can i use it? I got told once i paid the program fee i could use the account. I went to the atm earlier and it wouldnt let me get any money
Comment
Jul 12, 2019
The card is easy to get. I was approved for a $300.00 limit. I paid my first bill way before it was due, and somehow I only have an available credit of 96.00? My payment shows on my account and has been removed from my bank account, so why isn't my available credit limit the $300.00?
Oct 20, 2018
I like First Premier Credit Card and I'm really enjoying my new MC I don't have nothing bad to say about card really appreciate this good I'm so happy I got approved just had paid 200 but they only took 50 that was great I just wanted this card now im happy I got it
Sep 21, 2014
I first thought about the fee,, but after carefully thinking about it,, if it will help me get a credit card and rebuild my credit to use in my favor i would like to get one... When i keep my payments paid when they are due,, then i will be able to get advances to my card and rebuild my credit...
Mar 26, 2014
I have a credit card with first premiere credit card and i'm not so happy. I must say the initial process is easy. I had to pay $95 to activate the card and i received a credit limit of $175. I did not know that spending the credit limit too fast would negatively impact my score, but it did. There are annual fees and monthly fees that are a bit on the high side. I thought that getting a credit card and paying the bill on time was what helped increase my score, but there are so many rules and guidelines that I know now why people end up in thousands of credit card debt. I also do not like the fact that you have to pay a $4.75 online fee to use their services. You have some work to do.
Mar 01, 2013
I applied for this card due to not having any established credit. It was easy to apply for and I found out my results of my application within seconds after I applied. I think the fees are high and the fact that they charge you a fee to give you a credit limit increase is not so great either. I was willing to deal with the fees so I could build my credit. I didn't get a big spending limit when I was approved but I expected that I wouldn't. Overall it's a good card to build credit with. I wouldn't recommend it if you have established or good credit due to the high fees.
Aug 01, 2012
The First Premier credit card is about the worst card I have ever had. With all of the fees that they charge I ended up owing over $150 before I even used the card for the first time. Their customer service is not the best. I made all of my payments on time and also made payments larger than what was required for 2 years. I did not get a credit increase like I have with other cards after only 6 months. I will no longer be using this card. Do yourself a favor and save yourself the $150 and all of their other fees and go with a different card.
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Last updated on: May 16th, 2019 at 19:39
Related Credit Cards
If you are interested in the First PREMIER® Bank Classic Credit Card, check out the following credit cards as well:
WalletHub is an independent comparison service.
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. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. 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: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers 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.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: May 16th, 2019 at 19:39 ET