First PREMIER® Bank MasterCard Credit Card
- ONE-TIME FEES $75 - $95
- ANNUAL FEE $75 1st yr, $45 after
- MONTHLY FEE None 1st year, $6.25 after
- REGULAR RATE 36% (V)
- GRACE PERIOD 27 days
First PREMIER® Bank MasterCard Credit Card’s Highlights
- This card requires a one-time up front Processing Fee. This one-time fee appears to regularly fluctuate and this is why it is listed as a range. The fee needs to be paid in full before the credit card account is opened by First Premier. If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
- 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.
- Your account history reports to the major Consumer Reporting Agencies
- Use your card everywhere MasterCard® cards are accepted.
- 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.
First PREMIER® Bank MasterCard Credit Card’s Additional Info
- MAX LATE FEE $35
- MAX OVERLIMIT FEE None
- MAX PENALTY APR None
- SMART CHIP Yes
- CASH ADVANCE RATE 36% (V)
- CASH ADVANCE FEE 5% (min $6)
First PREMIER® Bank MasterCard Credit Card Reviews
The terms and fees associated with this card make it difficult to keep up with payments and pay down balances.
The card has a $95 processing fee, plus an annual fee that is $75 in the first year. I do not care for, nor have any credit cards that charge any type of fee. On top of this the First PREMIER Bank Credit Card also has a monthly fee that starts on the 13 month. The interest rate is also very high, 36%, compared to standard credit card rates which generally hover around 10-20%.… more
I have a bank credit card that was free, has no annual fee, a line of credit, and even some decent rewards. While it's nice to offer a helping hand to those who need credit, it seems like it's an overall bad deal.… more
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Last updated on: Dec 18th, 2014 at 6:25 EST