How can I make a payment?
79
UpvotesReply
WalletHub
You can make a payment over the phone (800-987-5521) or online, by logging into your account at: https://firstpremier.com . Hope this helps.
First PREMIER® Bank Mastercard Credit Card
First PREMIER® Bank Mastercard Credit Card
Info about First PREMIER® Bank Mastercard Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
APRReviewsQ&AContactAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Bad Credit
Fees
One-Time Fees$55 - $95
Annual Fee$50 - $125 1st yr, $45 - $49 after
Monthly Fee$0 - $8 1st yr, $6.25 - $10.4 after
APR on Purchases
36%
WalletHub Review
by John Kiernan
March 29th, 2023
First PREMIER® Bank Mastercard Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
High membership fees
High regular APR
Foreign fee
First PREMIER® Bank Mastercard Credit Card's Additional Info
| cash advance fee | 5% (min $8) |
| cash advance APR | 36% |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 27 days |
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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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.
Questions & Answers
Can't find what you are looking for? Submit your question about First PREMIER® Bank Mastercard Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Most Popular
- Most Popular
- Most Upvotes
Questions sort
I just got approved for my Premier credit card and paid a fee of $89. When will I get it?
72
UpvotesReply
WalletHub
You will have to wait between 7 to 10 business days to receive it. If you don't receive it in this timeframe, it's best to call customer service at 800-987-5521 and see what's going on. Best of luck!
View more answers
Why can't I get a First Premier Bank Mastercard cash advance?
51
UpvotesReply
WalletHub
Assuming that you've already obtained a cash advance PIN from First Premier (i.e., you've done a cash advance with this card before), it could either be a technical issue with the ATM or a sign that you didn't have enough available credit to accommodate the amount of the transaction. Related...
View more answers
Where can I get a First Premier Bank Mastercard cash advance?
33
UpvotesReply
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, so...
Can I take out the whole $225 after I pay the $95 processing fee?
28
UpvotesReply
WalletHub
No, not immediately. After paying the processing fee, your card will be mailed to you, and that will take up to 10 business days. After receiving your card, you will need to get your PIN number, in order to get access to ATM cash advances. You can require it by...
View more answers
Can I pay my First Premier Mastercard processing fee with a prepaid card?
22
UpvotesReply
Jacqueline Nash
Yes, you can pay your First PREMIER® Bank Mastercard Credit Card processing fee with a prepaid card. Just know that by doing so, it might take more time for the issuer to process your payment.
To speed things up, use a checking or savings account to pay for your processing fee.
View more answers
What's the First Premier Bank Mastercard credit score requirement?
3
UpvotesReply
Frieda Reiss
The First Premier Bank Mastercard is aimed at people with bad credit, meaning a credit score between 300 and 639. What this means is that any score will do.
With that said, because this is an unsecured card for bad credit, the First Premier Bank Mastercard sports several fees,...
How can I go over my First Premier Bank Mastercard credit limit?
21
UpvotesReply
WalletHub
You cannot go over your First Premier Bank Mastercard credit limit. If you find yourself maxing out your credit card often, a better alternative would be to just ask for a credit limit increase.
Can I get cash back from a store with my First Premier Bank Mastercard?
17
UpvotesReply
WalletHub
The First Premier Bank Mastercard does not allow you to get cash back when checking out at the register.
You can do a cash advance at an ATM, once you obtain a PIN from customer service, but we recommend avoiding such transactions whenever possible given how costly they are.
Where can I use my First Premier credit card?
7
UpvotesReply
Lyle Ryan
You can use your First Premier credit card anywhere Mastercard is accepted because First Premier credit cards are on the Mastercard network. Mastercard is the largest credit card network, accepted in over 210 countries and territories. In the U.S. alone, there are over 10.7 million locations accepting it.
So,...
Compare The First PREMIER® Bank Mastercard Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR36%
Regular APR28.24% (V)
Regular APR29.74% (V)
Rewards RateNone
Rewards Rate0 - 1% Cash Back
Rewards RateNone
People Also Apply For
First PREMIER® Bank Mastercard Credit Card Reviews
Share your insights and review the First PREMIER® Bank Mastercard Credit Card
3.0
1,668 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
3 Star Rating
Verified CustomerDecent card for start up or rebuilding credit, however, a better option is to go with a better secured card from Capital One or Discover. Both of these will raise your limit and refund your deposit after displaying responsible use for several months. Only go with Premier Card as a last resort.
Comment
Report Abuse
5 Star Rating
Verified CustomerHigh interest rate but it does the trick if you need to build credit. Very easy approval process.. however, be prepared to pay a program fee before they give you a card
Comment
Report Abuse
1 Star Rating
Verified CustomerFirst PREMIER Card advertised to fix bad credit, but actually tanked mine. I went from 625 to 432 over the course of a year with this card. I paid on-time for that first year I had this card. The fees that they charge amount to double what your credit limit actually is, so by the time I realized that though I was making on-time minimum payments and only using the card sparingly if at all, I was being charged an extra $200 a month in fees that turned into a credit utilization of a whopping 186% in less than 3 months. My limit was only $500, ya’ll. My advise, avoid this card at all costs if you are trying to build your credit. Do it the old fashion way and either pay down the debt you already have, or go with a secured card through Discover or Capital One. Their cards ACTUALLY fixed my credit before this card mangled it.
Comment
Report Abuse
1 Star Rating
Verified CustomerGot my first premier credit card used it paid it off with my debit card and checking account now my balance is zero dollars but now my card is suspended because they need to know if I'm the actual debit card owner and checking account owner. They want a pic of my dedit card along with a letter from my bank stating that I'm the official owner of my banking account . Never have I heard of this . What a bunch of crock . Even my bank say what's the difference as long as the account gets paid . They have never of this either . Funny how first premier cashed the check and debit card payment. Sent them a voided check with my name and a pic of my debit card and that's still not enough. Worst card I ever had
Comment
Report Abuse
3 Star Rating
Verified CustomerIt's ok I guess alot of say this but do t actually do took over month to get care that wasn't any good and now waiting on a new card
Comment
Report Abuse
1 Star Rating
This is an absolutely negligent credit card company. I made my payment two weeks ago (paid MORE than the minimum) but received a notice this morning that they charged a late fee to my account. They say that my bank denied the charge so I called my bank and they said nothing ever came through. Essentially First Premier charged ME for THEIR system malfunction and I NEVER received an email that the payment didn't go through, only a confirmation that payment was made. I was on the phone with them and they told me I've been notified via a letter that my payment didn't go through - which I never received or haven't received yet. I honestly can't wait to get rid of them. You also can't email them, so you're left with talking to customer service - which I get it, they're just doing their jobs but definitely not the most helpful bunch.
Comment
Report Abuse
4 Star Rating
Verified CustomerThanks for aproving me for credit. It has helped me be more responsible. It's a beautiful day in the neighborhood and the sun is shining
Comment
Report Abuse
1 Star Rating
Verified CustomerI have had my card for two years now I have the balance paid of but it has me at max there was a charge last year in Texas an it has never came off but I paid it all off an been trying to talk to someone is nearly impossible I am closing my account an not paying it off again I would no recommend this company to my dog I will give them a one star for screwing people
Comment
Report Abuse
1 Star Rating
I had an hotel stay that put a 200.00 authorization hold on my card as most hotels do. When I checked out the hold was released. It has now been seven days and premier is stating it takes 16 days to put the money back to my available credit. Premier stated the hotel has to call them if they wanted to release the funds back. That’s absolutely ridiculous. This company is the WORSE
Comment
Report Abuse
5 Star Rating
Verified CustomerIt's a good card for building your credit. I've only had one increase of 150.00 dollar's increase since 2019. I think I deserve a nice increase! I've never missed a payment. Thankyou
Comment
Review First PREMIER® Bank Mastercard Credit Card
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.
People Also Apply For
Offer last updated: Mar 29th, 2023 at 11:05 ET
People Also Apply For
PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
28.24% (V)
ANNUAL FEE
$39
REWARDS RATE
0 - 1% Cash Back
BONUS OFFER
None
MINIMUM CREDIT