First PREMIER® Bank MasterCard Credit Card

first premier credit card
Required Credit Score:
Bad
Minimum. Security Deposit:
None
602 reviews   Write a Review
Info about the First PREMIER® Bank MasterCard Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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First PREMIER® Bank MasterCard Credit Card’s Key APRs & Fees

  • ONE-TIME FEES $95
  • ANNUAL FEE $75 - $125 1st yr, $45 - $49 after
  • MONTHLY FEE None 1st yr, $6.25 - $10.4 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 of $95.00 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 If the Processing Fee is not paid in full within 85 days, the application will be withdrawn.
  • If your credit limit is $300, the annual fee will be $75 in the first year and $45 and $6.25 per month after. If your credit limit is $400, the annual fee will be $100 in the first year and $45 and $6.25 per month after. If your credit limit is $500, the annual fee will be $125 in the first year and $49 and $10.4 per month after.
  • 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   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes
  • CASH ADVANCE
    RATE
    36% (V)
  • CASH ADVANCE
    FEE
    5% (min $6)

Customer Questions and Answers

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How can I make a payment?
Reply

Photo of Card H.
Dec 30, 2015
You can make a payment over the phone (800-987-5521) or online, by logging into your account at: https://firstpremier.com . Hope this helps.
27 Votes 38 11

I just got approved for my Premier credit card and paid a fee of $89. When will I get it?
Reply

Photo of Card H.
Jan 4, 2016
You will have to wait between 7 to 10 business days to receive it. If you don't receive it in this timeframe, it's best to call customer service at 800-987-5521 and see what's going on. Best of luck!
24 Votes 31 7

How do I check my balance?
Reply

Photo of Card H.
Nov 13, 2015
You can check your current balance by enrolling your account for online management at: https://www.mypremiercreditcard.com/login.aspx
11 Votes 18 7
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Customer Reviews

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2.7 out of 5

602 reviews
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23%
34%
17%
Photo of Tom R.
Jun 23, 2016
Horrible Credit Card in USA

WITHING 30 DAYS I LOST 75$+264$ = $339

I closed my account just after ONE MONTH due to abusive fees and horrible customer service. Even though I spent less than 70$ from the credit card, they have charged me 264 $ and from the beginning I paid 75$ just for processing fees. They are charging interest plus whatever fee. Done with them. Don't get. Be carefully, I never recommend this card to anyone. Trust me. This is the horrible credit card in USA.
Photo of Tammy B.
Apr 5, 2016
I had this card for 5 years and finally had enough. I closed my account today. They had charged me an annual fee March 2016 through February 2017. When I closed my account, they said I still had to pay the fee for having the credit card. I still had to pay the whole year even though I only had it one month into the year that they charged me for. I was supposed to get a call back from a supervisor, that never happened. The lady I spoke with was very rude and then I asked for supervisor and she told me she was one....when I insisted that I more
Photo of Vtedd C.
Feb 17, 2016
I got my card. It was 300 dollar credit limit unsecured. I could take up to 30 dollars out of an ATM. The minute I took the 20 dollars out, even though I made several payments, they SUSPENDED my account. The security department is neurotic just sitting around harassing people. I called customer service and got hold of a supervisor. She verified my identity and said she couldn't figure out why I was sending money orders in for payments. Awful company, a bunch of neurtoic people in the security department.
Photo of Jen P.
Feb 13, 2016
These people are crooks! Run from this bank. I've had two accounts with them and I can tell you from experience they are the worst. Their website is a joke, no automatic payments. This last time with them, my credit had improved to the point where I have accounts with AmEx and Chase but I needed a bit of extra cash for a few months so I took their ridiculous deal of $175 fee for opening an $700 account figuring I would pay it off and have it around for emergencies. My bank declined payment to them because of what they thought was suspicious activity at the time and they more
Photo of Brian H.
Feb 11, 2016
Its pricey. However it JumpStart my credit. Paying all cards on time, I have cards a year later with cl in the thousands. I will probably cancel my first premier before the annual renewal. It has served its purpose. I had NO trouble with the card at all. The fees are just too high to justify keeping it.
Photo of Julio B.
Jan 17, 2016
Predator company, that's the only way to describe them.

They simply prey on people that need to start building credit. Fees on top of fees which are not worth it. Customer service is horrendous, it takes forever to actually talk to someone then when you actually get to speak with a person that individual tries to force you to keep the card and go with whatever they say. They are well trained to avoid giving straight answers, instead they use lawyer's answers like.

It is a lot better to go with secured credit cards where there are no fees neither for processing, nor for the credit card and they report to the more
Photo of John M.
Dec 17, 2015
to many fees a rip off
Photo of Qutavia C.
Nov 27, 2015
I had this card for one month and my credit score has jumped 9 points due to me paying the monthly payment ON TIME I will continue to use this card to get my credit where IT needs to be
Photo of Thanos C.
Nov 25, 2015
Being young, I managed to not pay attention and hurt my credit. As I got a little older I got serious about having great credit and wanted to figure out how. This was one of the first Credit Cards I was approved for. The interest rate is high and so are the fees, but it helps you get back on the way to establishing good credit. I'm happy with it for now and haven't had any problems
Photo of Korey B.
Sep 24, 2015
All they do is charge fees after fees. Their customer service is the worst. I get better CS at a fast food chain by a 16 year old. They will lie to you. I was 4 days past my due date and they start calling me at work. FOUR days! I simply forgot but you do not need to call my work. One of their CSRs called me an asshole for telling him to stop calling my work. I cannot wait to pay this card off and be done with these people.
Photo of Nick C.
Sep 5, 2015
I would like to inform everyone whom can not get a traditional unsecured card stay far away from this company period. The polite term for them is pirates they pray upon people with limited or no credit history. I will tell their ad states they will give you credit when no one else will, lie I recommend that everyone get a capital one card either secured or wait for a pre approval in your mail they approve 9 out of 10. Here is a true fact in 2012 I missed 4 payments then got a new job when I lost my previous I paid the account in full after a more
Photo of Jerry B.
Apr 2, 2015
I got the First Premier card offer in the mail and almost threw it away. The initial fee is pretty steep. I had hit a little rough patch and my credit had suffered, and this was the first card offer I had received in quite some time. I thought it over and opened the account eyes wide open. Yes, the initial fee is high, and it is added as debt on your account. I also am honest enough to realize that my credit was bad and no one else was lining up at my door with offers. So I opened an account and have had no problems with them at more
Photo of Angela L.
Jul 26, 2015
Did they deduct the annual membership fee all at once
Photo of Miya O.
Sep 18, 2015
Agreed. Just pay on time, and watch your credit offers start to slooowly roll back in.. This is a very easy card when no one else will extend credit.. Loving my card minus the whole advance credit rules!
Photo of Daphine E.
Mar 16, 2015
I have two cards with First Premier, the first card I received nearly two years ago with a $700 limit. First they do charge you an outrageous $75.00 annual fee so basically you start off with $75.00 less than you were approved for. Over the course of the first year, I missed one or two payments because I became unemployed. Didn't hurt my credit score as I made up the payments the next month. If you make a payment using your checking account online they hold the payment for 5 business days before they will release your credit. Now on to the outrageous 36% interest they are now charging me. more
Photo of Tashawn R.
Jan 14, 2015
I chose Premier Credit because they offer a great credit card plan for people like me with bad credit. I paid approximately $110 in fees for the annual fee and activation fee. I received a $300 line of credit with repayment plan of $35 a month! Unfortunately I fell behind and stressed about catching back up and my credit. I called and they gave me another great option. A repayment plan of $50 a month and no more fees. I am so relieved with this not hanging over my head and knowing my credit is rising again. Instead of them reporting me and hurting my credit, they worked with me more
Photo of Brandon V.
Dec 1, 2014
I like the fact that it can build up my credit score.
Photo of Elizabeth M.
Sep 15, 2014
I really like The First Premier Bank credit card for someone who has never had a credit card before. The starting maximum credit limit is only $300, which is perfect for a student or young adult. I use it for everyday use as it has a credit protection that is normally not offered to a debit card user. It also offers a better APR than my other credit card, a Visa credit card from my bank. I like that it has a 27 day grace period, in case I forget a payment. This card is very easy to use and easy to obtain and I highly recommend it to anyone more
Photo of John I.
Sep 3, 2014
This credit card is the first premier bank credit card. It is ok i guess for people with bad credit but i feel like they would be better off not getting it. They would be throwing away 75 bucks and then a monthly service fee every month? whats that all about? There are better credit cards out there that don't have monthly service fees but maybe a startup fee and very low credit limit. But then again that is the person with the bad credits fault for having bad credit.
Photo of Erin R.
Dec 2, 2014
I agree with you, that $75 dollars could definitely be put to better use. What's worse, even if someone stays on track, makes their payments on time, keeps within their limits...they're still going to probably be blindsided once the next annual fee comes around, and the monthly charges start compiling as well.
Photo of Mikey J.
Aug 22, 2014
Why would finical regulators even allow this to take place. This credit card has predatory lending written all over it. Yes, much of the fees are laid out from the beginning so all who signs up for this knows exactly what they're getting into but this is not the way to go. This is a crime and so is this company. I strongly recommend you stay away from this card. My brother had this card an lets just say, he's worse off than he was before without it. Trust me on this.
Photo of Brad P.
Aug 29, 2015
I went through a divorce a few years back...it was then that I found out my Ex-Wife wasn't paying any of our bills with the money I gave to her to pay them with.....needless to say it destroyed my credit.....Finally 7 years later after making many monthly payments to pay off collections etc....I applied for a First Premier Credit Card...I knew about all of the pros and cons that went along with this card. I only have a $300 credit limit, but from making my payments on time (or before they were due) EVERY month my credit score has jumped well over 100 points in the past 8 months. This more
Photo of Kristie L.
Aug 11, 2014
I don't know how I feel about this card. I understand that it is supposed to help your credit but the fees are a little outrageous. For half the cost of starting with First Premier, I can get a secured credit card with Capital One. What exactly is the $95 paying for if your still having $75 deducted from your starting balance of $300.00 to pay your annual fee? Why is there a monthly fee? If I had the kind of money that First Premier is talking about paying I wouldn't have bad credit I would have bills paid on time. I think I would do more comparison shopping before more
Photo of Sam S.
Jul 24, 2014
this is a great credit card for anyone with bad credit. The initial fee of $95 was a pain but they can help fix your credit with just giving you some sort of credit line and you repaying that! The fees are also a little high, however what do you expect with bad credit?! So overall i think this credit card company has its ups and downs (like any other) but they will give you the second chance most others wont.
Photo of Latasha H.
Jul 4, 2014
The First Premier Bank card has really helped me improve my credit. It was easy to obtain after my bankruptcy and has paved the way for me to get cards with better interest rates and rewards.
Photo of Jay L.
Jun 9, 2014
This is not a credit card that I would ever consider owning. My current credit card has no annual fee and a drastically lower APR. The fact that this card has so many fees is actually fairly worrisome to me. It makes me feel like the card company does not have my best interests at heart. I have never heard of a card that charges an initial fee, and the idea of a credit limit increase fee should be illegal! This card seems like a way to take advantage of people.
Photo of Jeremy C.
Jun 1, 2014
Bad idea...huge fees and is just a scam for people with bad credit
Photo of Alex J.
May 9, 2014
I definitely will not be applying for this card. Fees upon fees with little to no incentives tell me this is not the card to have. There are plenty of other cards out there that will be far less of a headache to deal with.
Photo of Joseph S.
Apr 7, 2014
Unfortunately, there is not much to like about this card. The First Premier Bank Mastercard is horrible with respect to fees. There are plenty of cards out there that do not have an annual fee. Moreover, you should not be charged a processing fee just to obtain the card. Finally, the credit limit is extremely low, so it is not much of a credit card. I would much rather obtain a card where there is no annual fee and you get rewards points for your purchase.
Photo of Brad C.
Jul 24, 2015
Well...I think ANYONE would rather "obtain a card where there is no annual fee"; unfortunately, those of us who have really bad or no credit don't have much of a choice. I think most of us are just glad to have the opportunity to rebuild our credit even when the price of doing so is high. Since this card has such high interest rates and monthly fees, people just need to be smart about how and when to use it.
Photo of Rebecca R.
May 29, 2016
I've been trying to get a better card. I can't. Capital One even turned me down for a secured card...
Photo of Dawn M.
Mar 5, 2014
I THINK THIS OFFER FOR FIRST PREMIER BANK MASTERCARD IS HORRIBLY EXPENSIVE. AT THE RATE OF 36% AND ALL FEES INVOLVED AND SUCH A SMALL CREDIT LIMIT, THE ONLY THING YOU WILL GET IS A BILL. OBVIOUSLY WITH BAD CREDIT AND APPLYING FOR CREDIT, YOU ARE LOW IN FUNDS AND CANNOT AFFORD ALL THE FEES INVOLVED IN THIS OFFER.
PREDATORY LENDER.
Photo of Brad C.
Jul 24, 2015
IT'S TRUE THAT THIS CARD HAS HIGH INTEREST RATES AND LOW CREDIT LIMITS BUT WHAT CAN YOU EXPECT WHEN CARD HOLDERS' CREDIT SCORE IS SO LOW? I DISAGREE ABOUT THE LAST PART OF YOUR STATEMENT...I HAVE BAD CREDIT BUT IT ISN'T BECAUSE I AM LOW ON FUNDS, IT'S BECAUSE I DIDN'T EXERCISE ANY SELF CONTROL WHEN I WAS YOUNGER AND DUMBER AND HAD A DISCOVER CARD WITH A $3,000 CREDIT LIMIT WITH EXCELLENT INTEREST RATES AND NO FEES AT ALL. I DON'T LOOK AT FIRST PREMIER'S BEHAVIOR AS PREDATION...IT'S SIMPLY THEM PROTECTING THEMSELVES WHILE TAKING A HUGE RISK ON PEOPLE WITH KNOWN HISTORIES OF NOT PAYING THEIR BILLS.
Photo of Amanda W.
Feb 18, 2014
I used a First Premier Credit Card many years ago. I have never felt so ripped off in my life... As you can see, there are fees after fees from the time you sign up. The percentage fee is ridiculous compared to most other cards, like my Victoria's Secret card. I know that is for one particular store, but please look at other cards before signing up for this one. My VS card doesn't hit me with annual fees, nor did it cost a $95 'processing fee'.
Photo of Dave A.
Feb 17, 2014
The First PREMIER Bank MasterCard does not seem like a very good card. The yearly and monthly fees are incredibly high for a credit card and I have never had to pay this with any other credit card that I have.The interest is very high compared to the 17% of my current credit card.
Photo of Jon F.
Feb 2, 2014
The First Premier Bank Mastercard is a credit card aimed at people with "less than perfect" credit. And, as usual for credit cards aimed at our lucky group, this card had ridiculous fees. A $95 processing fee when you open the account, and a $75 annual fee for the first year bring the first year cost of this card to $150. After the first year, the annual fee drops to $45, but you have to pay a $6.95 monthly servicing fee. Added together with the annual fee, that's a cost of $120 per year after the first year. It IS expensive to be in the "less than perfect" group, but more
Photo of Tina M.
Dec 17, 2013
The First PREMIERE Bank MasterCard is for those with low credit scores. I have seen other cards for people in this situation. They usually hit their customers with high rates/fees and, in this situation, the First Premier Bank MasterCard is no exception. They offer a variable rate of 36%(!) and annual fees starting at $75. On top of that they charge your account anytime your credit limit is increased. They don't stop with fees there though. There are one time fees and monthly fees as well that people are going to be hit with. I wouldn't recommend this card to anyone. Fees and rates are way too extreme, even with more
Photo of Jane L.
Dec 13, 2013
If you have really bad credit the First PREMIER Bank Credit Card is still a horrible option. The annual fee is quite undesirable and the interest rate is absolutely ridiculous. And then there are monthly fees on top of that. And a $95 processing fee. You can do much better. For example the Merrick Bank Secured Credit Card is for bad credit and has an annual fee the first year, but not after that. And the interest rate is much better.
Photo of Marc L.
Dec 6, 2013
I had a Premier card many years ago before I knew any better. The interest is really high and there where no incentives of any kind associated with using the card. Also the credit limits they issue are generally very low (only $500 in my case.) However on the positive side, the card is granted to pretty much anyone no matter what their credit history, but watch out for the fees and interest! Pay it off totally every month if you really want this card since they are not a forgiving company like some of the current card companies I use.
Photo of Susan C.
Dec 4, 2013
The First PREMIER Bank Credit Card is a credit card made to profit off of those who have no credit history or more often than not bad credit history. Because it is a tool used to attempt to approve credit, this card has extra terms that cover the risk involved with giving someone with a bad credit history credit. I would personally never use a card such as this, even if I was desperate to obtain credit.

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 more
Photo of Brad C.
Jul 24, 2015
Don't all credit card companies do whatever they can legally do to profit off of their cardholders? Your comment makes it sound like people with bad credit are victims....they ( including myself) aren't...they are responsible for causing themselves to have bad credit. I've yet to come across any creditor who considers their customers' best interest before their own. It's not a charity company and I bet they've lost loads of money to customers they've approved who have maxed out their cards and never paid a bill.
Photo of Scott B.
Nov 26, 2013
This does not seem like a card I would be interested in. A $95 application fee plus a ton of annual and monthly fees? This seems like a card only for the most desperate to be given a line of credit. With virtual no rewards or cash back, this sounds like nothing more than a card intended to rack up a large amount of debt, and then get nickeled and dimed until you can pay it back.

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 more
Photo of Peter A.
Nov 22, 2013
Wow, the First Premier Bank MasterCard is bad! It costs $95 dollars to apply for it then you are charged a $75 annual fee year one and $45 plus $75 as monthly fees after that. Since that means it really costs $170 just to get the card, I would think a secured card for a similar amount would be the better route (like Capital One). The interest rate is outrageous. While I understand some people have had credit problems, cards like these do not help the situation. Such people are really looking for a helping hand, not a slap in the face. Folks, you can do better than this. Avoid this card like the plague.
Photo of Skyler H.
Nov 19, 2013
I understand that the First Premier Bank MasterCard is meant for people with bad credit, but I can't see this being a good card for anyone. The fees seem really high and unnecessary. I've never and would never use a card with such fees. $95 just to open the account? That's ridiculous. And on top of that, a high annual fee, a monthly fee, and fees for credit increases. Fees on top of fees on top of fees. And all this for a card with such a tiny credit limit, just $300. It doesn't seem worth it to me. I would look elsewhere for a credit card. I've noticed the more
Photo of Marsha F.
Nov 19, 2013
I do not like the fact that this is charging a processing fee. I know of no other credit or store cards that charge this fee. Also, the credit limit is extremely low. The additional annual charges of $75 and the 25% to increase your credit is cause to look elsewhere for a credit card. The only advantage to this card, would be for those who have credit issues. The low limit would not allow too much debt to be incurred, but the additional charges would not be conducive to saving money and paying off any other debt.
Photo of John S.
Nov 19, 2013
I initially thought that the First Premier Bank MasterCard was a great option with somebody who has bad credit. Even though my credit is fairly good, I thought I might look into applying for this card myself, as my Citibank Platinum Select credit card is currently being overused and at its credit limit. However, upon further investigation, the fees just do not justify applying for this card. I can understand the $95 processing fee, even though I think the cost is a tad steep. Unfortunately to also charge a $75 annual fee initially, as well as $45 for each year thereafter (I have no fees at all for my Citicard) more
Photo of Danny B.
Nov 19, 2013
At first glance the First Premier Bank MasterCard seems like a great choice for somebody looking to reestablish their credit rating, but the terms seem a bit outrageous when compared with other credit cards. The $95 fee to open the account is absurd, but the $75 fee for the first year is pretty standard when dealing with credit cards for people with poor credit. However, the card does look a lot better than the MATRIX card from Discover with even more absurd interest rates and fees, as well as one of the most unprofessional websites I have ever encountered! In all, I wouldn’t say the First Premier Bank MasterCard is more
Photo of Corrina H.
Nov 11, 2013
I have to agree with others here who are of the opinion that the First PREMIER Bank MasterCard Credit Card may be a very poor choice for those attempting to rebuild their credit. The interest rates are very high, and the initial amount of credit is too low. I think the Horizon Gold Card may be a much better option than this one, if you have no other choice. The Horizon card has a 500.00 credit line, and lower interest rates. It really is too bad that those who are genuinely trying to pay off their debts and improve their credit are taken further advantage with these so called offers.
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Last updated on: Jun 27th, 2016 at 5:57 EDT

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