First PREMIER Bank

The First PREMIER Bank credit card interest rate is 19.9% (V) to 36% (V), depending on an applicant's creditworthiness and the card they're applying for. The average interest rate among new credit card offers is 18.32%, according to WalletHub research.

First PREMIER Bank Credit Card Interest Rates By Card

• First PREMIER® Bank Secured Credit Card: 19.9%
• First PREMIER® Bank Mastercard Credit Card: 36%
• First PREMIER® Bank Gold Credit Card: 36%
• First PREMIER® Bank Classic Credit Card: 36%
• First Premier Bank Forward® Credit Card: 36%
• First PREMIER® Bank Credit Card: 36%

In addition to the regular rate, First PREMIER Bank credit cards also come with a separate interest rate for cash advances. The interest rates will be listed on the card's monthly statement and online account summary.

The payment address for a First Premier Bank credit card is:

First PREMIER Bank
PO Box 5529
Sioux Falls SD 57117-5529

Mail payments take the longest time to post, so allow them at least 5-7 days for delivery. If your due date's closer than that, you can send your payment via express mail to:

First PREMIER Bank
3820 N. Louise Ave
Sioux Falls, SD 57107-0145

Alternatively, you can also pay your bills:

• Online
• Over the phone by calling the number on the back of your card
• By using Western Union or MoneyGram

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, basically, you can pay with a First Premier Mastercard almost anywhere they take credit cards.

The First Premier Bank Mastercard phone number for customer service is (605) 357-3440. To make payments, check your balance, request a PIN or report your card lost, use their automated system by dialing (800) 987-5521.

You could also reach a First Premier representative online, by signing in to your account or via their app for iOS and Android.

Ultimately, you could contact First Premier via mail at:

First PREMIER Bank
PO Box 5524
Sioux Falls, SD 57117-5524

A First Premier credit card works like any other credit card, with one major difference: it has insanely high fees.

Depending on the card you choose, you will either have to pay a refundable security deposit or a one time fee. All of First Premier's cards have annual and monthly fees, decided based on your creditworthiness. You can apply for one with bad credit or no credit score at all.

There is a fixed rate, though: First Premier's APR of 36% for its unsecured cards and 19.9% for its secured credit card.

On the plus side, First Premier reports your activity to the major credit bureaus TransUnion, Experian and Equifax.

I wouldn't suggest applying for any of the cards First Premier has to offer. If you have bad credit or no credit score at all, there are plenty of other, more favorable credit cards you could try getting.