First PREMIER® Bank Gold Credit Card
First PREMIER® Bank Gold Credit Card
We're sorry, but the First PREMIER® Bank Gold Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-987-5521, Ext.
You can write a review about the First PREMIER® Bank Gold Credit Card or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
Accepted Credit Scores
Bad Credit
Fees
APR on Purchases
36%
First PREMIER® Bank Gold Credit Card's Additional Info
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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.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. If your credit limit is $500, the annual fee will be $125 in the first year. After that, you will pay a $49 annual fee and $10.40 per month.
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
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 |
First PREMIER® Bank Gold Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
High membership fees
High Regular APR
Foreign fee
Compare The First PREMIER® Bank Gold Credit Card vs. Popular Alternatives
minimum depositNo Deposit Needed | minimum depositNo Deposit Needed | minimum depositNo Deposit Needed |
one time fees$55 - $95 | one time fees$95 | one time fees$0 |
annual fee$50 - $125 1st yr, $45 - $49 after | annual fee$75 1st yr, $48 after | annual fee$49 - $175 1st yr, $0 - $49 after |
monthly fee$0 - $8 1st yr, $6.25 - $10.4 after | monthly feeNone 1st year, $8.25 after | monthly fee$0 1st yr, $5 - $12.50 after |
Regular APR36% | Regular APR35.99% | Regular APR29.99% or 36% |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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How much is the First Premier Bank Gold card cash advance limit?
Your initial First Premier Bank Gold card cash advance limit is 10% of your spending limit, but it can jump to 50% after your account has been open for at least 90 days, provided it's in good standing. That means you could withdraw up to $50 initially and up to $300 later on.
However, keep in mind that you will be charged a 5% cash advance fee, and the amount that you withdraw will immediately...
Can I use my card to pay bills once I pay the processing fee?
When will my card be activated?
How can I get a First Premier Bank Gold card credit limit increase?
You can get a First Premier Bank Gold card credit limit increase by requesting it. After your request is evaluated and your account is considered eligible, the increase will be approved.
Keep in mind that every time this happens, a credit limit increase fee of 25% will be assessed to your credit account.
To request an increase, log into your First Premier account online and click on “Credit Limit Increase” on the left...
How long does it take to get the First Premier Bank Gold card?
It used to take 7-10 business days to get the First PREMIER® Bank Gold Credit Card after approval. The card does not accept applicants anymore, though.
If you're looking for a First Premier Bank credit card that you can apply for right now, then check out the First PREMIER® Bank Mastercard Credit Card or the First PREMIER® Bank Secured Credit Card. Both of these cards are available to applicants with bad credit. Once you're approved, your First Premier Bank credit card should arrive in 7-10 business days.
If...
Does the First Premier Bank Gold Credit Card have rental car insurance?
No, the First PREMIER® Bank Gold Credit Card does not have rental car insurance. As a matter of fact, none of the First Premier bank credit cards have that benefit. It should also be noted that the card does not accept applicants anymore.
In general, credit cards designed for people with bad credit do not offer benefits like rental car insurance. One of the exceptions, though, is the Capital One Platinum Secured Credit Card. This card accepts applicants with bad credit and may offer rental car insurance, but it's not guaranteed.
If you're looking for a credit card that offers rental car insurance, then your best bet is to build your credit score first, and then apply for one once you're eligible.
How can I get a First Premier Bank Gold card cash advance?
You can get a First Premier Gold credit card cash advance at virtually any ATM, but that doesn't mean you should do it, because it's incredibly expensive.
If you decide to go for it, you will need a cash advance PIN that you can obtain by calling (800) 501-6535.
First PREMIER® Bank Gold Credit Card Reviews
Share your insights and review for the First PREMIER® Bank Gold Credit Card
What's Your Rating?
Customer service is terrible, and getting a hold of a real person is impossible. Overall, I’m gonna pay it off, and just keep it as a credit utilization leverage.
FEES,FEES,FEES! It's a hassle to get anywhere on your balance with all the fees. There's no customer perks for being on time. I paid my card off and will be closing this account. Aspire offered me 2k with no fees so it's a no-brainer!
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