Do I have to pay the balance in full before I get the card?
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Shawn B
If you're talking about your credit limit, no. This isn't a secured card. If you're talking about the processing fee, yes.
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.
APR1,657Reviews172Q&AContactAPRWalletHub 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%
WalletHub Review
by John Kiernan
August 15th, 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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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 do I transfer money from my credit card to my bank account on the same day?
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UpvotesReply
Rosie Mackal
You can't really do that. In theory, you could take out a cash advance, and go to the bank and deposit it, but that's about it. You'll get hit with a fee, though.
Is there a place I can go to put money on my card?
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UpvotesReply
Rosie Mackal
There are some places you can go to, depending on where you live. You can check out the closest one to you through this link: https://premier.ingolocator.com/
How long does it take to receive my card?
0
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Can I get an instant response for a credit line increase online?
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Ellen Kanker
Sorry, not with this one.
How can I locate my first First Premier Bank application, so I can pay the program fee?
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Can I use my First Premier Bank card to purchase a money order?
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Kelly B
You can, but it'll be treated as a cash advance, which means a fee and interest.
How long does it take to get a credit increase?
0
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When using an ATM, do I slect checking or credit to get cash?
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If I don't pay the $95 processing fee, my account will not be opened? And will I be charged any fees for not paying the processing fee?
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UpvotesReply
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 APR25.49% (V)
Regular APR26.99% (V)
Rewards RateNone
Rewards Rate0 - 1% Cash Back
Rewards RateNone
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First PREMIER® Bank Mastercard Credit Card Reviews
Share your insights and review the First PREMIER® Bank Mastercard Credit Card
3.0
1,657 reviews
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1 Star Rating
They sent my husband an invitation to apply for a second card, and I was going to have my husband take the offer, but the reality is that it isn't worth our time. Their FEES ARE EXTREMELY HIGH. We do not recommend first premier credit card. This company abuses people's money. It doesn't get more terrifying.
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I do not recommend this card.
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1 Star Rating
This place is a complete rip off, pay $100 to get a credit card. Everytime i go to use it, they claim not enough funds. I look and there is an available balance. This month I paid $100.00 to take directly out of my bank account. They put a hold of 7 days on a bank draft!?! Can you imagine all the people that have holds for 7 days??? That is interest free money. I CLOSED THE ACCOUNT - STAY AWAY
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5 Star Rating
I have to say....if you are upset about the fees, you have no one to blame but yourself. Hard lessons learned. Read the fine print. I guess most didn’t. If u Google u will find plenty of people who will tell you how to keep you fees low. I keep seeing people asking about atms. No wonder you have high fees!!
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3 Star Rating
I paid my total balance last week which was due by July 5th, my limit is $400. My available credit is still at where it was before I made my payment a week after I made the payment. The app says payment was posted. My question is when does my available credit go back to $400?
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Did you pay by debit card over the phone or via the app? That’s the way to get it posted immediately
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Ridiculous company! My limit is $700. My balance has never been more then 610. I was in grocery store and still had 180 left to make purchases. The bill was 135 and it declined the 35. Then tonight it says I only have $11 available even though my balance is $603! And of course no way to contact anyone because they are closed as always! After the grocery store incident I called them and they said that shouldn’t had happened and to call next time available credit isn’t processing correctly. However like I said small window to contact them! I am going to pay off ASAP and close the account. Stay away from it. Seriously!
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1 Star Rating
Verified CustomerThe worst, most deceptive card ever. After almost two years, never late once, BAMM a $260 AUTODRAFT from Sioux Falls, SD. So I call them and in order to dispute a charge, mail your dispute to, Guess Where? SIoux Falls. the charge was from them. Holy Cow ! I have 0% interest cards, a 740 credit rating and this card has only a $700 limit. Nowhere do you find an annual fee of $260. Closing this fraud ASAP. Thanks Congress !!!
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1 Star Rating
Verified CustomerThis one of the most expensive credit cards to rebuild your credit. I don't recommend this card to my worst enemy. The fees are high as they can be. You will owe more to the card before you can get started. I apply for 2 cards one was this and the other was Capital one. Now there was no annual fee, there was no set up fee. They gave you the credit you deserve and let you earn more in 6 months. I'm definitely going to pay this card off and only spend like $25 for gas to keep the points going up. Other than that ver disappointed in the FIRST PREMIER they seem to be rip offs putting you in more debt than you start with.
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1 Star Rating
Verified CustomerHorrible company ever. Took my money and then closed my account. They are a fraud rip off scam and non helpfull. Rebuild my credit right only messed it up more and took all my money. Stay away from them.
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4 Star Rating
I think that people with poor credit always have a negative insight on policies, hence the negative reviews on most of these cards for bad credit holders. If you read the terms going in, which we all do, no one can lie and say they didn't, you know what to expect. Just because you defaulted on a payment or can't pay your balances in full, or withdrew money you now owe interest on, does not mean the company is bad lol. I mean, come on, they are extending credit to people who have a zero chance with the major companies. Be realistic, stop complaining, stop maxing out the cards to the point of not being able to maintain them, and you'll be fine. Fees are fees!! Low or high, you signed up for them. Pay the high fees for as long as it takes to be offered the better cards out there, then cancel this one. It's that simple. And anyone to cancel or not deal with a card like this, because of these poor reviews, does not have a mind of their own. Each person's circumstances are different and each person utilizes credit in a different way. My initial credit limit was $300 which is now $400 after paying the fees! I took one star away because of the poor quality of the website, which tells me that they're not as up to date as they should be.
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That’s cool. I paid the fees too and my original limit was 300 ...now they don’t have a limit set so I’m hoping it’s a little higher lol...is that how it happened with you?
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Ii always pay on time and in full, and I even understand the high fees, no problem. But taking 14 days to clear a bank draft that posted from my bank account 6 days ago. That is ridiculous. Some people say that next time I should use my debit card and pay over the phone. I will definitely try that because this is ridiculous.
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1 Star Rating
Verified CustomerHORRIBLE CARD HUGE FEES EVEN FEES TO REQUEST CREDIT LIMIT INCREASE. MONEY MAKING SCAM
Upon your request, PREMIER Bankcard will review your account for a possible credit limit increase. It may take up to 14 days to process your request and an inquiry to the Consumer Reporting Agency to verify your income and debt obligations (payments) may occur. If the credit limit increase is approved, your account will be billed a "Credit Limit Increase Fee" in the amount of 25% for the approved increase amount. For example if you are approved for a $100 credit limit increase, you will be assessed a $25 fee. Click "Request Increase" to have your account reviewed for an increase.
Upon your request, PREMIER Bankcard will review your account for a possible credit limit increase. It may take up to 14 days to process your request and an inquiry to the Consumer Reporting Agency to verify your income and debt obligations (payments) may occur. If the credit limit increase is approved, your account will be billed a "Credit Limit Increase Fee" in the amount of 25% for the approved increase amount. For example if you are approved for a $100 credit limit increase, you will be assessed a $25 fee. Click "Request Increase" to have your account reviewed for an increase.
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1 Star Rating
Do Not Get This Card!!!! This Company WILL Rip You Off!!! This is one of those companies that know they will never be able to keep a customer longer than the first bill, so they rip you off for everything you have right off the bat. This is NOT a legitimate company! Beware! This "company" will charge interest on each individual charge at the highest amount possible. EACH CHARGE, EACH MONTH!!! You will LOSE ALOT of MONEY by doing business with this company. If you are contemplating getting a premier credit card, please contact me first. I have some oceanfront property in Arizona that will be just perfect for you!
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Review First PREMIER® Bank Mastercard Credit Card
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Offer last updated: Aug 15th, 2022 at 09:00 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
25.49% (V)
ANNUAL FEE
$39
REWARDS RATE
0 - 1% Cash Back
BONUS OFFER
None
MINIMUM CREDIT