First PREMIER® Bank Gold Credit Card
- Minimum Credit Required:
Bad - Network: MasterCard
- Online Response:No
- If approved, simply pay a $95.00 Processing Fee to open your account and access your available credit. For convenience, this Processing Fee can be paid over time.
- 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. First Premier will refund any Credit Limit Increase Fee charged to your Credit Account if you notify them, within 30 days of the date of the Periodic Statement on which it appears, that you do not wish to have the credit limit increase. This will also result in a reversal of the credit limit increase.
- Your initial credit limit will be $300 and your initial available credit will be only about $225, given the $75 Annual Fee that is charged on the card.
| Annual Fee $75 1st yr, $45 after |
Monthly Fee None 1st yr, $6.25 after |
One-time Fees $95 |
| Purchase Rate 36% (V) |
Grace Period 27 days |
| Cash Advance Rate 36% (V) |
Cash Advance Fee 5% (min $6) |
Max Late Fee  $35 |
Max Overlimit Fee None |
Max Penalty APR None |
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the First PREMIER® Bank Gold Credit Card shown on this page.
The card information shown on this page was last updated: June 14th, 2013 at 10:13 EDT
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I recieved this card a few years ago when I was trying to rebuild my credit. I was told that if I could get a credit card it was a good idea to help build my credit. I was not sure about it at first due to the hight interest rates and fees. But I decided to go ahead and get it because I really needed to build up my credit. I received a $350 credit limit with the card but after the fees I had $150 available. I never had a problem with the card. Customer service was always decent when I needed to talk to a real person. They reported to the credit agencies often. Overall this is a decent card for someone to get if they are trying to rebuild or build up there credit.
April 19, 2013 at 06:31pm
This is a really good starter card that will help to increase your credit. Not to mention, sometimes just having a credit card can come in handy and not everyone can get one. This is where First Premier comes in handy. As long as you are diligent and are sure to pay the card each month and not miss a payment, you'll reap many a reward from having this as a starter card. When I had no credit at all this was the only card that would give me a chance and from there I have been able to grow my credit and get other cards.
April 19, 2013 at 02:36pm
This is the perfect card to rebuild your credit. No hidden fees and is very reasonable in APR.
September 14, 2012 at 09:41pm
I have a reallly low income and very bed credit and wouldn't even want a credit card for most things but I don't often have enough in my account for things like renting a car where they need to have a deposit or somethng. First premier gold was the only card I could get and had a manageable 300 limit. The biggest problems are that mastercard isn't accepted everywhere and you can only pay with your checking account online andit takes over a week to process from your bank account and longer to be credited to your account, also I can never be sure how much of an available balance I have based on what I've spent. but all in all it serves its purpose.
July 25, 2012 at 01:40pm
I recieved an invitation for this card two years ago. After excepting the card, I was given a $350 credit limit. I have been very happy with the card and company. After one year I was able to get the credit limit increased of $500. At this point, my credit limit is $650. I had to file a dispute with the credit card company at one point and they were very helpful. An online vendor had charged my credit card three times for the same purchase. After haggling with the vendor with no resolve, I contacted First Premier customer service. They disputed the charges for me and were able to credit my account all of the overpayment. I am a very happy customer.
July 3, 2012 at 05:50pm
My initial credit limit for the card was $300 but by the time all the fees were accessed I only had $80 available to use. It's not the best credit card but given my credit score it was the only non-secured credit card I qualified for. I was actually shocked when I was approved. I had applied with several credit card companies for people with bad credit and they all wanted deposits before issuing a card. My First Premier credit card has come in handy. It allows me to rent cars without having to put down a big deposit. I have had it for about a year now and I will probably have it for some years to come.
June 14, 2012 at 11:37pm