Minimum Credit Score Needed 
Bad
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.
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PREMIER® Bank Platinum Credit Card and find the card's rates and fees according to our latest records, which may be outdated.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.
Offered by:
First PREMIER Bank
Info about the First PREMIER® Bank Platinum Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Offered by:
First PREMIER Bank
First PREMIER® Bank Platinum Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
36% (V)
-
ANNUAL FEE
$75 1st yr, $45 after
First PREMIER® Bank Platinum Credit Card's Additional Info
-
MAX LATE FEE
$35
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MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
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GRACE PERIOD
27 days
-
ONLINE RESPONSE
Yes
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CASH ADVANCE
RATE
36% (V)
-
CASH ADVANCE
FEE
5% (min $6)
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FOREIGN
TRANSACTION FEE
None 1st yr, 3% after
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SMART CHIP
No
- 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.
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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.
What is the difference between secured credit and unsecured credit?
Reply
· Jul 21, 2017
A secured card is a card that you give the credit card company anywhere from 300-500 dollars and they give you that credit limit so if you default on your card they have the money.. An unsecured credit card is the opposite you don't pay for you don't pay for your credit limit. Ex: you apply for a 500 credit limit it comes in the mail with 500 dollar credit limit
My card is declining my purchases with me having available credit. Why does this happen?
Reply
WalletHub
· Nov 21, 2016
There are a few reasons why this could happen. For starters, it’s possible that First Premier thinks your transactions are fraudulent. If your payment is past-due, that could also be the cause. Similarly, if you have any purchases pending, you might have less credit available than you think. We recommend contacting First PREMIER Bank Customer Support to see exactly what’s going on. You can reach them at 800-987-5521.
How long does it take to receive your card?
Reply
WalletHub
· Sep 29, 2016
It generally takes 7-10 business days to get a new 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 ( https://wallethub.com/best-credit-cards-for-bad-credit/ ) or try our new CardAdvisor tool for a personalized recommendation: https://wallethub.com/cardadvisor/ . Best of luck!
How to get cash?
Reply
WalletHub
· Nov 21, 2016
You can get cash from your credit line by performing a cash advance at an ATM, but we recommend avoiding this type of transaction whenever possible given how expensive it is. This card charges a fee equal to 5% of the amount withdrawn (minimum of $6) and immediately begins assessing interest a 36% rate. You can learn more here: https://wallethub.com/edu/credit-card-cash-advance/25829/. Hope this helps.
Can you get cash back?
Reply
Leon Denerus
· Sep 29, 2016
No, unfortunately this card does not provide cash back. However, if you've used this card responsibly for at least 12 months, you might be able to qualify for a card that does offer cash back. You can check your credit score for free on WalletHub ( https://wallethub.com/join/ ), and the Capital One QuicksilverOne Card would be a good option if you now have fair credit ( https://wallethub.com/d/quicksilverone-rewards-75c/ ). Please let us know if you have any other questions. Good luck!
First PREMIER® Bank Platinum Credit Card Reviews
Share your insights and review the First PREMIER® Bank Platinum Credit Card.
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!
Comment
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 $700 limit to begin with is actually a nice number compared to what I have been offered by other companies.… read more
Aug 19, 2013
For what it is, I think this credit card is a little on the bad side of your options. Granted, you have to take into account the fact that credit cards can be extremely hard to come by if you have bad credit. So of course the company is going to try to get as much money from you as possible up front, and every chance they have thereafter. Still, even with bad credit, there are better options. For example, the credit limit increase fee is outrageous! I've never seen a card that does this, and I would recommend against getting this card on that basis alone.
A better option would probably be to go to whatever local bank or credit union you have your checking account with. They would probably be able to offer you better terms, especially if you've been with them a long while. And even if their terms aren't stellar, at least you know you're supporting a local business, rather than paying outrageous fees to a faceless company that has zero incentive to treat you well.… read more
A better option would probably be to go to whatever local bank or credit union you have your checking account with. They would probably be able to offer you better terms, especially if you've been with them a long while. And even if their terms aren't stellar, at least you know you're supporting a local business, rather than paying outrageous fees to a faceless company that has zero incentive to treat you well.… read more
Aug 15, 2013
The First PREMIER Bank Platinum Credit Card is one of the worst most out ridiculous credit cards on the market for those with bad credit not only is the APR one of the highest on the market any place for any card but the company is just terrible I Signed up for this card years ago, I didn't end up activating it and called to cancel as soon as it arrived at my house. I end up paying 1300$ 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.… read more
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.… read 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.… read 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.… read 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.… read 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.… read 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.… read more
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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 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.
Last updated on: January 29th, 2017 at 12:18
Related Credit Cards
If you are interested in the First PREMIER® Bank Platinum 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 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: Jan 29th, 2017 at 12:18 ET