Accepted Credit Score
Bad Credit
First PREMIER® Bank Platinum Credit Card
We're sorry, but the First PREMIER® Bank Platinum Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-987-5521, Ext. .
Below you can review the First PREMIER® Bank Platinum Credit Card and find the card's rates and fees according to our latest records, which may be outdated.
Alternatively you can compare the latest credit card offers and save money.
Info about the First PREMIER® Bank Platinum Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
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APRs |
REVIEWS |
Q&A
|
CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-987-5521, Ext.
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Issuer's Online Account Management
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-987-5521, Ext.
-
Issuer's Online Account Management
First PREMIER® Bank Platinum Credit Card's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| $95 |
| ANNUAL FEE
|
| $75 1st yr, $45 after |
| MONTHLY FEE
|
| None 1st year, $6.25 after |
| REGULAR RATE
|
|---|
| 36% (V) |
| GRACE PERIOD
|
| 27 days |
First PREMIER® Bank Platinum Credit Card's Highlights
| Your initial credit limit will be $700 and your initial available credit will be only about $525, given the $175 Annual Fee that is charged on the card. |
| 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. First Premier will refund any Credit Limit Increase Fee charged to your Credit Account if you notify them, within 30 days of the date of the Periodic Statement on which it appears, that you do not wish to have the credit limit increase. This will also result in a reversal of the credit limit increase. |
| * 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 Platinum Credit Card's Additional Info
| MAX LATE FEE
|
$35 |
|---|---|
| MAX OVERLIMIT FEE
|
$0 |
| MAX PENALTY APR
|
None |
| FOREIGN TRANSACTION FEE
|
None 1st yr, 3% after |
| SMART CHIP
|
No |
-
CASH ADVANCE APR
36% (V)
-
CASH ADVANCE FEE
5% (min $6)
- Last updated on 11/28/2020
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about First PREMIER® Bank Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
How can I get pre-approved for the First Premier Bank Platinum Mastercard? Reply 4votes1votes
Bogdan Roberts
@bogdan_roberts
The only way to get pre-approved for the First PREMIER® Bank Platinum Credit Card is if First Premier Bank considers you a good candidate and sends you a pre-approved mail offer.
After receiving a pre-approved offer, you can apply for the card by entering your confirmation number on First Premier Bank's dedicated web page. If you can't find your confirmation number, you can look it up online by entering some of your personal contact information and the last 4 digits of your Social Security Number.
Getting a pre-approved offer doesn't affect your credit score, since it only triggers a soft inquiry on your credit. If you apply for the First PREMIER® Bank Platinum Credit Card, a hard inquiry will be triggered, which can lower your credit score for a short period of time. Keep in mind that pre-approval indicates you have good odds of approval, but it doesn't guarantee it.
4
Upvotes
How long does it take to receive the First Premier Bank Platinum card? Reply 11votes13votes
WalletHub
@WalletHub
It generally takes 7-10 business days to get a new First Premier Bank credit card after being approved for an account.
However, this particular card is no longer available to new applicants. You can compare similar offers here or try our new CardAdvisor tool for a personalized recommendation.
11
Upvotes
Can I get cash back with my First Premier Bank Platinum card? Reply 11votes10votes
Leon Denerus
@Leo.DC
No, you can't get cash back with your First PREMIER® Bank Platinum Credit Card. In fact, this card didn’t offer any rewards at all. What is also worth noting is that the First PREMIER® Bank Platinum Credit Card is no longer available to new applicants.
There are plenty of other cash back credit cards to consider, though. You can start your search with WalletHub’s editors’ picks for the best cash back credit cards on the market. It’s good to compare multiple options before submitting an application, to ensure that you get the most bang for your buck.
Lastly, if you’re thinking of “cash back” as a way to simply withdraw money, then yes, you could use this card for a cash advance. But cash advances with First PREMIER® Bank Platinum Credit Card were extremely expensive, as it happens with all credit cards. Unlike regular APRs, cash advance APRs don’t benefit from a grace period, so interest starts accruing immediately. Plus, withdrawals come with hefty cash advance fees.
11
Upvotes
How do I get into my account? Reply 7votes10votes
WalletHub
@WalletHub
You can set up online account management (or reset your password if you forget it) at: https://www.firstpremier.com/ . Please let us know if you have any other questions!
7
Upvotes
How can I get a First Premier Bank Platinum card cash advance? Reply 5votesvotes
WalletHub
@WalletHub
You should be able to get a First Premier Bank Platinum cash advance from most ATMs, as long as you’ve obtained an account PIN from First Premier. You can get a PIN by calling 1 (800) 501-6535.
Just remember that credit cash advances are really expensive. First Premier Bank cash advances, in particular, are awfully expensive, so avoid them at any cost.
5
Upvotes
How much is the First Premier Bank Platinum cash advance limit? Reply 3votesvotes
Winston Sanders
@winston_sanders
The First PREMIER® Bank Platinum Credit Card cash advance limit is 10% of your credit limit during the first 90 days of account opening. After that, if your account is in good standing, the issuer might increase your cash advance limit to 50% of your credit limit. Also keep in mind that your daily cash advance limit is $500.
But it’s best to avoid cash advances because of how expensive they are. If you must do one, make sure to pay it back as soon as possible.
3
Upvotes
How does the First Premier Platinum card's rental car insurance work? Reply 3votesvotes
Thomas Chapman
@thomas_chapman
The First PREMIER® Bank Platinum Credit Card’s rental car insurance works only if you deny the insurance offered by the rental company. And you must use your card to pay for your entire rental.
Certain exclusions do apply, of course. To find out more about them, or to file a claim, call the number on the back of your card.
3
Upvotes
How do I cancel my First Premier Bank Platinum card? Reply 3votesvotes
RAY Stone
@ray_stone
You can cancel your First Premier Bank Platinum card by calling 1-800-987-5521 or by sending them a mail to:
First PREMIER Bank
PO Box 5524
Sioux Falls, SD 57117-5524
You can cancel your card anytime without a cancellation fee. If you do it within 30 days of receiving the cardholder contract, the program fee or any other fees charged will be refunded.
First Premier has very high annual and monthly fees, but also a higher-than average APR. So cancelling it isn’t the worst idea.
3
Upvotes
Is the First Premier Bank Platinum card a good credit card? Reply 3votesvotes
Leon Denerus
@Leo.DC
The First Premier Bank Platinum card was not a good credit card and it is no longer available to new applicants.
It had a very high-interest rate, annual fee, monthly fee, high credit limit increase fee, honestly, there was a fee for just about everything.
Get a Discover it® Secured Credit Card or a Capital One Platinum Secured Credit Card instead. Both are great options.
3
Upvotes
Is the First Premier Platinum card secured or unsecured? Reply 3votesvotes
Tommy S Davidson
@tdvdson94
The First Premier Platinum card was an unsecured credit card. It didn't require a security deposit, but the fees and interest rates were almost prohibitive.
3
Upvotes
First PREMIER® Bank Platinum Credit Card Reviews
Share your insights and review the First PREMIER® Bank Platinum Credit Card.
Oct 05, 2021
If I could give a "0" i would! WORST credit card ever!!! After paying on their fees of $188; a couple of months in my phone was lost and someone tried to pay with a bad account and access my credit card; I saw a transaction go in/out and figured THEY made the mistake (still not convinced) and I made my normal payment, then get this email (AFTER I PAID) that they are closing my account!!!! The balance on my card is $184; of course they want me to pay that in addition to the $188 I had already paid for THEIR ACCOUNT!!! It is a wash; they closed it and they can apply THEIR fees to pay off that account.… show more
Comment
Sep 30, 2021
Trying to better my credit was told of I got a new cc my score would go up. But actually what happened was my score went down almost 100..now if I cancel this card my score will go down more what do I do
Sep 17, 2021
This CC is a rip-off!! Customer service sucks, ARR is astronomical, plus monthly fee and fee to open account in first place. Plus, if payment doesn’t go out by 2 or 3pm on payment due date they will not process it until next day and they of course charge a late-fee at that point.
Aug 12, 2021
Amazing company very helpful and resolves issues quickly without all the extra hassle like other companies. I recommend giving them a try
Aug 16, 2021
Very good place to do business with I would definitely go through them again. I just wish my credit didn't fall down 109 points as soon as I opened the account up
Aug 05, 2021
Just a card to help build my credit up. There’s nothing else I like about it because there’s fees and it’s an unknown bank that isn’t regarded much
Jul 28, 2021
This card is the WORST idea anyone could have. Regardless of how bad your credit is, this card will defiantly bait you in and mess your credit up immediately. 1.) You pay a one time fee of $49. 2.) You pay an annual fee of $79. 3.) You pay a monthly fee as well. $96 annually - $8 per month for the 1st year, and $144 annually - $12 per month. All that takes away from your initial credit limit to begin with. So even if you NEVER swipe the card for a purchase you end up spending over $200 a year for that card to sit there. Best option is to shred this card, and never think about it again. Wait it out and build your credit to get a better card.… show more
Jun 29, 2021
Verified Customer
I love this card! Was easy to get and the limit was low but after making several on time payment for 6 months to a year you automatically get a increase if in good standing. I recommend it!
May 22, 2021
Verified Customer
I love my new card. It's my first card ever. I'm so proud of myself for building my credit and will continue so it will come up more
May 12, 2021
Verified Customer
Good for now. Working on rebuilding my credit and they have made it possible to get this credit card. Will update later as time will tell.
Apr 13, 2021
Verified Customer
Good Good very good it’s a card that allows you to make credit card purchases like a credit card with very high penalties and fees
Apr 11, 2021
Verified Customer
The fees on this are ridiculously high. The low card limit makes even filling up your gas tank exceed the recommended 20-30% usage. Stay away from this card
Apr 09, 2021
Verified Customer
Your standard, predatory credit card waiting for folks with low credit scores and are desperate to have something, anything. Crazy high fees and horrible customer service.
Apr 09, 2021
Verified Customer
Great card to have trying to build credit back up they have gave me a chance and I pay it off every month for whatever is do .Really helps me with building my credit
Apr 01, 2021
Verified Customer
Great approval odds for building credit. Great customer service. Great starter card. Very satisfied with card. Could use better increases . Only one a year.
Apr 01, 2021
Verified Customer
Great card to have. I recommend it for building your credit. Very easy to work with. Customer service are very Professional and very helpful
Mar 14, 2021
Verified Customer
First Premier has been a dream for me! Card services are great. Hoping for an increase soon. The mobile app works well. Love this company.
Mar 06, 2021
Verified Customer
I don't like this bank they will only pull out of my account a few months at time. I have seizures and forget this. And it makes it hard to remember that my other cards will and this is the one that won't do automatic withdrawals.
Mar 03, 2021
Verified Customer
I only keep this card because closing it would shorten the average length of my credit accounts. However, the credit protection program is great.
Mar 02, 2021
Verified Customer
Great for the best of emergencies. It has come in handy for a last minute present, planning a special trip for the one you love. Thank you.
Jul 25, 2019
This company prey on their clients Its a rip off run. It is a lot of hidden fees to keep you owing money. Please do not get this card I am trying to finish paying so I can close this account. I paid on my credit card on the due date, because it was after 5pm they "slammed" me with a late fee of extra $30.
Jul 06, 2019
Verified Customer
I love my premier credit card. Yhey are everything they say they are. I have had mine for about 2 or three years now and I got behind on it once because I had a injury and they gave me a chance to catch up without closing my acct. Very impressed.
Aug 24, 2018
I've never had an issue. customer service isn't terrible. Neither is my interest. Just need to be aware of all terms and conditions. I really do not have any complaints with premier bankcard..........
Jan 03, 2018
DO NOT USE THIS COMPANY!!!!! If I could give them a negative score I would. They have overcharged my bank more than once. I have called multiple times trying to get it straightened out, but their customer service is rude, condescending and not helpful.Their website is not user friendly and does not stay up to date.
02/02/18
After paying your $95. Did you have to wait for your card to come or you get your card number instantly?
Apr 13, 2017
If you're looking for a new credit card that's willing to approve you even though your score sucks big time, this one is for you. Only problem is it has an interest rate of 36% (ew!) so be careful with it. Other than that, enjoy!
Apr 01, 2016
The only complaint that I have is that the interest rate is high.But other than that I love the card.I have learned how to manage it.So really this is not a bad card at all.It gives rewards back which is great.It helps me alot.Like I said it is all how you manage your card.
Jan 17, 2016
I received my New First Premier Platinum and used it a couple times, then embarrassing when I was enjoying lunch with my daughter and my card declined repeatedly with almost $400 left on it. I tried to use it to watch movies on Amazon and it declined as well. I can't contact customer service as it is Sunday and unlike MOST big companies do have, they do not have a 24 hour help line.
Apr 29, 2015
So I have this First Premier Bank Platinum Credit Card and so far it isn't all too bad. There are a lot of fees that make you want to jump out a window, however this card is designed to help people with bad credit. It is really easy to sign up for and use. It has a chip reader on the card itself, so one up for technology. The fee the first year really does suck considering it takes $175 our of your $700 limit. And the $700 limit to begin with is actually a nice number compared to what I have been offered by other companies.… show more
Aug 19, 2013
For what it is, I think this credit card is a little on the bad side of your options. Granted, you have to take into account the fact that credit cards can be extremely hard to come by if you have bad credit. So of course the company is going to try to get as much money from you as possible up front, and every chance they have thereafter. Still, even with bad credit, there are better options. For example, the credit limit increase fee is outrageous! I've never seen a card that does this, and I would recommend against getting this card on that basis alone.
A better option would probably be to go to whatever local bank or credit union you have your checking account with. They would probably be able to offer you better terms, especially if you've been with them a long while. And even if their terms aren't stellar, at least you know you're supporting a local business, rather than paying outrageous fees to a faceless company that has zero incentive to treat you well.… show more
A better option would probably be to go to whatever local bank or credit union you have your checking account with. They would probably be able to offer you better terms, especially if you've been with them a long while. And even if their terms aren't stellar, at least you know you're supporting a local business, rather than paying outrageous fees to a faceless company that has zero incentive to treat you well.… show more
Aug 15, 2013
The First PREMIER Bank Platinum Credit Card is one of the worst most out ridiculous credit cards on the market for those with bad credit not only is the APR one of the highest on the market any place for any card but the company is just terrible I Signed up for this card years ago, I didn't end up activating it and called to cancel as soon as it arrived at my house. I end up paying 1300$ in fee's for a credit card who's limit would have only been 200$ to start with. I would say if you have to choose no credit card of this one, just don't have one.… show more
07/25/19
This company prey on their clients Its a rip off run. It is a lot of hidden fees to keep you owing money. Please do not get this card I am trying to finish paying so I can close this account. I paid on my credit card on the due date, because it was after 5pm they "slammed" me with a late fee of extra $30.
Aug 11, 2013
It seems that there a lot of fees and payments associated with this First Premier Bank Platinum credit card and not enough leeway. It doesn’t have a simple or clear cut structure of fees either. With each year or month that passes, the fees associated with the card vary. The one-time fee seems tacked on in order to milk more money out of the customer. In addition, there are monthly and annual fees applied to the card. I don’t see what is enticing about this card. Perhaps since this is for customers with bad credit, they want to ensure that they’ll get their payments, or perhaps they know that they can abuse their customers’ unfortunate situations. I’m not too familiar with credit cards for bad credit, but either way, I’m sure that there are better offers than the First Premier card that won’t leech consumers in fees. I don’t see how customers are supposed to fix their credit when the card that the credit card company –provides continuously incurs frivolous fees.… show more
Aug 08, 2013
The First PREMIER® Bank Platinum Credit Card is really one of those credit cards that help you get back on the right track. Although there is a very high first year fee of $175 and then $45 a year after the that the high credit limit of $700 to start blows other cards out of the water. No other place can you even find a card with a limit close to that for those of us with bad credit. Another great thing about the First PREMIER® Bank Platinum Credit Card is that as you use the card and pay your bills on time over time you will earn an even higher credit limit.… show more
Aug 05, 2013
I'm torn on the First PREMIER Platinum Credit Card, it is aimed to "help" people with bad credit by giving them an opportunity to have a card, but it seems to me more like a way to exploit them. Sure, I am all for giving people with "bad credit" a chance to dig themselves out, but this card seems a bit much. Huge annual fees, monthly fees after the first year, and an absolutely obscene 36% interest rate on purchases? This is just an insult and a kick in the ribs to someone who is already "down on their luck" because ofactions taken by the same groups of people who can issue a card like this. However, it is an option, and probably one of the only options, for some people. There must be secured cards out there with better terms than this, however.… show more
Aug 02, 2013
First PREMIER Bank Platinum Credit Card's name is a bit misleading and it is definitely not a platinum card. Its more for someone like me with poor or no credit and will help you boost it. Its features though even for that type of card is pretty poor. $175 annual fee is definitely a lot higher than any other secured card and really holds you back. If you actually put stuff on the card, the APR is so high that you're paying a lot more for anything you purchase. If you need to build your credit there is way better secured cards for you. Only use this as your last resort.… show more
Aug 02, 2013
First Premiere Bank might be calling this a platinum credit card, but it’s actually a card designed for people with very poor credit. There are so many catches that go along with this card it would be difficult for the average user to keep track of them all. The annual fees are pretty high for an unsecured credit card. Between the one time fee when signing up, annual fee and monthly fee, you’ll have spent $290 in fees alone just to have this card in your wallet for the first two years. You will also be charged for each credit limit increase in the form of 25% of the amount of the increase. That said, if you have bad credit this might be your only option. Pay off this card every month and start building your credit history, as First Premiere Bank does report your activity to major Consumer Reporting Agencies.… show more
Aug 01, 2013
I love the fact that the First PREMIER Bank Platinum Credit Card is an unsecured card for bad credit. The con of this card is the first annual fee, one time fee, and APR. However if you are looking to get back on your feet and re-establish credit this is the way to go. A perk of this card is that once you are eligible for a credit limit increase, First Premier will do a 25% increase. There is also another good thing about this card, the monthly fees are $0.00 for the first year after that the monthly fees are only $6.25. Many other unsecured cards for bad credit can charge up to $25 per month in fees.… show more
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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. 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 the issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: Nov 28th, 2020 at 11:07 ET
Related Credit Cards
If you are interested in the First PREMIER® Bank Platinum Credit Card, check out the following credit cards as well:
Related Credit Card Categories
First PREMIER® Bank Platinum Credit Card is related to the following categories:
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 the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Nov 28th, 2020 at 11:07 ET