First PREMIER Bank

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.

You can use your First Premier credit card anywhere Mastercard is accepted.

Mastercard is the largest credit card network, with a global acceptance 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 Mastercard almost anywhere they take credit cards.

No, First Premier balance transfers are not allowed. The First Premier Bank Mastercard is this bank's only credit card offering, and it's for people with bad credit. Like most unsecured credit cards for bad credit, the First Premier credit card doesn't allow balance transfers, its limits are low, and its fees are high.

The most expensive First Premier Bank Mastercard annual fee comes in the first year: $75-$125, depending on your credit limit. Every year after that costs $45-$49 in annual fees. The first year comes with no monthly fees, but you'll pay $5.85-$10.40 per month after that. The card's 36% APR is the highest rate on the market right now, and you'll pay a program fee for opening the account.

If you have bad credit and you're hoping to qualify for a balance transfer credit card, your options will be limited until your credit score improves. Credit card companies don't want to risk giving a credit line to someone who hasn't yet proven they can handle it responsibly. Some secured credit cards allow balance transfers, but only up to the amount of your credit limit, which equals the amount of the card's required deposit. If you have the money to make a deposit on a secured card in the amount of your debt, you should probably pay the debt itself.

Yes, you can have more than one First Premier credit card.

But keep in mind that First Premier's credit cards have one-time, annual and monthly fees, and also a 36% APR for their unsecured cards and 19.9% for their secured card.

If you decide to own more than one of these cards, make sure to always pay your bills in time and in full, to avoid any extra charges.