First PREMIER Bank

To apply for a First Premier Bank credit card, fill out an application on the First Premier Bank website. If you received an invitation to apply for a First Premier credit card in the mail, you'll be able to enter your confirmation number online under “Accept Mail Offer.” Otherwise, click “Apply Now.” Unfortunately, you can't apply over the phone.

How to apply for a First Premier Bank credit card:

1. Visit the First Premier Bankcard website.
2. If you received an invitation to apply, simply click "Accept Mail Offer" and enter your confirmation number.
3. To apply without an invitation, visit the First Premier Bank's credit card comparison web page and click "Apply Now" under the credit card offer you'd like to apply for.
4. Fill out the application form with your personal information (such as your full name, address, date of birth, SSN, email address, income, and employer information).
5. Review the completed information and check the box to consent to receive communications and confirm that you read and understood all disclosures.
6. Finally, click "Submit Application" at the bottom of the page.

After you send your application, you'll get a hard pull on your credit report. You may get a decision in as little as 60 seconds, but it could take up to 10 business days if your application requires further review.

First Premier Bank credit cards are mostly designed for people with damaged credit. But that doesn't mean everyone who applies will get approved. If you haven't received a decision 48 hours after you apply, you can call First Premier Bank at (877) 383-4802 to check the status of your First Premier credit card application.

If you're not tied to First Premier Bank and are looking for a credit card to help you rebuild credit, feel free to also take a look at our editors' picks for some of the best credit cards for bad credit.

You can make a First PREMIER Bank credit card payment online, by phone, through the First PREMIER Bank mobile app, by mail or at a branch. To pay a First PREMIER Bank credit card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. First PREMIER Bank does not allow cardholders to set up automatic payments, too.

Ways to Make a First PREMIER Bank Credit Card Payment

• By phone: Call 1-800-987-5521  and enter your card information when prompted.
• Online: Log in to your online account and find the payment button.
• Through the mobile app: Log in to your account and select your card, then tap the payment button.
• By mail: Send a check or money order (but not cash) to

  First PREMIER Bank

  PO Box 1348

  Sioux Falls, SD 57101-1348.

  Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.

• At a branch: You can make a payment at any First PREMIER Bank branch during normal business hours.

You can check your First Premier credit card application status by calling (800) 987-5521. According to First Premier Bank, you may get a decision within 60 seconds of applying. If you're not immediately approved or denied, allow 7-10 business days for First Premier to review your application. You'll either receive a decision or a request for more information in the mail. First Premier asks that you wait 48 hours after submitting your application before calling to check your status.

You can't check the status of a First Premier credit card application online. You can fill out the application online, but the only way to find out the status of that application (if not immediately approved or denied) is to call customer service.

How to check your First Premier credit card application status:

1. Call customer service at (800) 987-5521.
2. When prompted, press "1" for English.
3. When prompted, press "3" and enter your Social Security number to check the status of your application.

If approved, your card will be mailed to you within 7-10 business days. If your application gets denied, you still have options. Although the First Premier credit cards are designed for individuals with bad credit, approval isn't guaranteed. Other credit card companies may have different approval requirements too. So even if you're denied for a First Premier credit card, you could still be approved by someone else. Secured cards would be some of the easiest credit cards to get approved for.

To log in to your First PREMIER Bank credit card account, go to the login page on the First PREMIER Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “ENROLL” in order to set up a username and password.

How to Log in to a First PREMIER Bank Credit Card Account

1. Register your First PREMIER Bank credit card for online account access. Click “ENROLL” and enter your Social Security number and credit card number to verify your credit card account.
2. Choose your First PREMIER Bank card username and password. The username must be 8 to 32 characters long and contain no special characters or spaces. The password must contain 8 to 64 characters and have both upper and lower case letters, and a number or special character.
3. Log in with your new First PREMIER Bank credentials. From the login page on the First PREMIER Bank website or mobile app, fill out the Username and Password fields using your new credentials, then click “Sign In” to access your account.

After you have signed up and logged in, you'll be able to manage your First PREMIER Bank credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot Username/Password” on the First PREMIER Bank login page. Then, just follow the prompts to reset or retrieve your username or password.

You can get a First Premier Bank credit card cash advance at a participating ATM, at a local branch, or by writing a check. 

Ways to get a First Premier Bank credit card cash advance:

• At an ATM: To get a cash advance at an ATM, insert your card, then enter your PIN and choose the cash advance option. After that, enter the amount and acknowledge the fee disclosure. You can then withdraw the cash, up to the card's available cash advance limit.
• At a local branch: You can request a cash advance in person at a local First Premier Bank branch. Make sure to bring a government issued photo ID with you.
• By using a check: You could also write out a First Premier Bank cash advance check and use it like a traditional bank check. 

What you should know about First Premier Bank credit card cash advances:

• Cash advances come with a high APR: The cash advance APR is either 36% or 19.9%, depending on the card. There's no grace period on a cash advance so interest starts accruing right away.
• There is a cash advance fee: The fee for a cash advance is 5% (min $8). This is on top of any fees an ATM owner may charge.
• Cash advances require a PIN: To use a First Premier Bank credit card for cash advances at an ATM, you will need a PIN. If you didn't create a PIN when you applied for the card, you can request one by calling customer service at (800) 987-5521.

Ultimately, keep in mind that cash advances are really expensive. So, it would be best to avoid using your First Premier Bank credit card for cash advances, unless absolutely necessary.