So I only have like 10 bucks left in my card, if I pay the current balance, does the credit card get reloaded? I'm new to this lol
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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.
APR1,647Reviews169Q&AContactAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Bad Credit
Fees
One-Time Fees$55 - $95
Annual Fees$50 - $125 1st yr, $45 - $49 after
Monthly Fee$0 - $8 1st yr, $6.25 - $10.4 after
APR on Purchases
36%
Editor's Take
by John Kiernan
June 20th, 2022
First PREMIER® Bank Mastercard Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
High membership fees
No rewards
No rewards bonus
No intro APR on purchases
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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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 - $10.40 after.
Your account history reports to the major Consumer Reporting Agencies
Use your card everywhere Mastercard® cards are accepted.
Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of 25% of the amount of the credit limit increase will be assessed to your Credit Account.
*We are not affiliated with or authorized by First PREMIER Bank. The information herein has not been reviewed or approved by First PREMIER Bank.
Questions & Answers
Can't find what you are looking for? Submit your question about First PREMIER® Bank Mastercard Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How much is the First Premier credit card over limit fee?
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John Wittgap
You cannot go over the limit with your First Premier credit card. The card just doesn't offer that. So there's no way to opt-in for spending over your credit limit, and therefore no over-limit fee.
Is the First Premier Bank Mastercard secured or unsecured?
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Peter Fox
The First Premier Bank Mastercard is unsecured. But it's a super expensive unsecured card.
Ok. I paid 200.00 via personal check 9 days ago(express), and another 100.00 via bank transfer/debit over the phone just two days ago..
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I already paid a 95$ fee do I still get charged a fee if I cancel my card
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I paid my processing fee now my card is suspended and no available credit
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Damion Edwards
I paid my processing fee now my card is suspended and no available credit
Is online banking free with my first premier credit card
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How long do I have to activate my card once I get it?
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Can I use my First Premier Bank Mastercard anywhere?
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Syd Jones
It's a Mastercard so you can use it virtually anywhere in the world where they take plastic.
With a second cardholder will we share the 300.00 credit limit
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Rachel Giammona
Yes you do and only have questions bill so you would be responsible for it
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 APR24.24% (V)
Regular APR26.99% (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
1,647 reviews
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1 Star Rating
Verified CustomerI got this card about 1.5 months ago. Paid the $95 fee to activate my card. Spent the money, next pay day paid $200 on the card. Went to walmart the following day to buy groceries and my card kept being declined after calling and spending 30 mins on the phone with them, they had them call my bank because they had to make sure it was me that made the payment amd making sure I'm an authorized user on the bank acct (duh, cause no one else is going to pay my bill) they finally reactivated my card and I got to buy my groceries. Here I am again, I made a $50 payment. ( minium is $30, and I paid it before it was due, as I always do with my bills) my card has been suspened because now they need to verify my SS# and address. All the info I put in when I got approved to get the card and the address of which where I recieve my statments from the company?!. Now they want me to fax in more info. This is ridiculous. I'm not putting anymore payments on this card, I'm done. If i could give 0 stars I would. And will consider my $50 payment a loss. Perfect timing right at Christmas time too. All I wanted to do was order some food to be delivered. Thanks a lot A-Holes
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You arent alone, they flag almost everybody then will keep denying they received your info, just so they can cancel your card and keep the money, it's happened to everyone I know that has tried this card.
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1 Star Rating
My daughter lost her card a year ago and have been waiting on a new card for a year they continue to charge her for a card she does not have she call monthly and still no card this company has ruin her credit even more
All they say is we will send you a new card they been saying that for a year. She finally cancelled it today. This company is a fraud . She is filing with BBB.
All they say is we will send you a new card they been saying that for a year. She finally cancelled it today. This company is a fraud . She is filing with BBB.
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1 Star Rating
Wouldn’t recommend to my worse enemy account was suspended because I made my payment on times. Was told they sent me a letter in October but I was using my card on October when in fact it didn’t happen until November. Customer service is horrible
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Thanks for the information I got a pre-approval letter in the mail after reading this I think I'm just sticking with my Capital One
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2 Star Rating
Verified CustomerPlease dont get this card! They will easily Prove you for this credit card when your credit is poor but once you credit has improved, they will not drop any of the monthly and annual fees. They will kill you with the monthly fees and they will not drop them under no circumstances, so you are stuck having to keep the card because it is your oldest standing account and you don't want your credit to drop if you close the account, so you feel stuck. Get a secured credit card with $300 deposit instead, from a bank with no annual or monthly fees. Try Bank of America or Wellsfargo secured credit card.
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2 Star Rating
I have 2 First Premier Credit Cards, it’s very convenient when you have bad credit and are trying to build your credit back up but if you have decent credit I would not recommend First Premier, the fees are outrageous, annual fee, monthly maintenance fee not sure what they maintenance but ok and also a credit limit increase fee! There’s basically a fee for everything! I can’t wait to pay these 2 credit cards off completely and close both of my accounts!
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2 Star Rating
Made my first payment on this card. Paid off the card only to find oit i wouldnt jave my funds for up to 20 days. Would have been nice to know instead of thinking i would have the money available on my card. Thinking of cancelling the card. I do not recommend First Premier Bank to anyone.
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2 Star Rating
Verified CustomerThis card is fine if your credit is atrocious and you're trying to hold it back up. If you want to actually be able to USE the card, it's not so great. There are fees on top of fees and the interest is huge (obviously, as it's a bad credit lender). Payments take almost a MONTH to post as available credit, while they sit on your money that they received. I'll keep the card open to help build credit, but I won't be using it anymore. This card should not be your only card as it's virtually useless.
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this company and card are garbage!!! STRAIGHT RIP OFF
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1 Star Rating
Verified CustomerI feel sorry for anybody that needs to use 1st premier bank to rebuild credit. Your credit has to be really low to need them. I use to have them when my credit was in the 400's. The fees are ridiculously high. If you wanted a credit line increase you had to pay for it. I can remember them taking two weeks to credit my payments. Yeah when you wreck your credit you have to start somewhere. I would start somewhere else. Why would you want to get this card to build a credit history? You would be forever stuck with the high fees and if you try to close it, it will make you look bad because it would destroy the length of your credit history. A secured card would be a better bet. Most of the time the fees aren't as high as this and as your credit improves, you may be able to get a better card at lower rates. 1st premier's name also screams to the world you have bad credit, since they don't offer cards people with good credit in their right mind would apply for.
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2 Star Rating
This card has very high interest and fees. They will offer a second card instead of just increasing your limit. They say it's to help your credit but what it really does is cost you more in annual fees and interest. They do not offer a grace period even for long term card holders and if you're less than 24 hours late, they will charge you a late fee and report it as a late payment. I was quite upset about that. My payment was due on the 16th and I paid it at 6am on the 17th. If you're looking to build with a card you'll only need for 6 months then it's ok. I wouldn't recommend having it longer than that.
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1 Star Rating
Verified CustomerI payed off and closed my account because of the high fees. The following month I recieved a statement showing I owe them monthly fees, and I have a payment due....... for an account that is closed? WOW. I will be contacting the Consumer Financial Protection Bureau. 0 stars.
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Review First PREMIER® Bank Mastercard Credit Card
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Offer last updated: Jun 20th, 2022 at 14:50 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
24.24% (V)
ANNUAL FEE
$39
REWARDS RATE
0 - 1% Cash Back
BONUS OFFER
None
MINIMUM CREDIT