- 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.
- 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.
Annual Fee  $75 1st yr, $45 after |
Monthly Fee None 1st year, $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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The card information shown on this page was last updated: June 14th, 2013 at 10:08 EDT
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I obtained this card approximately two years ago in the hopes of rebuilding my credit. This is an excellent card to obtain simply for that purpose. You must pay your bill on time. If not, the late charge is $35.00 tacked onto what you already owe; however, if you use the card wisely simply for the purpose of rebuilding your credit, you should be okay.
April 12, 2013 at 10:54pm
I signed up for this card last year to help rebuild my credit after a prior bankruptcy a few years before. The application and approval process was super fast and easy. I would definitely recommend this card to anyone trying to rebuild credit as Premier reports to the credit bureau monthly. The card can be used anywhere and if you pay your balance in full each month, they do not charge interest fees. Plus as an added bonus for making your payments on time, you can request a credit line increase or you can even get another card with an additional line of credit. There are other credit cards out there, yes. However, if you have bad credit, this is the card for you.
March 29, 2013 at 03:23pm
After a yr of having this card I am being charged a monthly fee of $14.50. I will be cancelling this card due to this. :(
February 16, 2013 at 11:26pm
I signed for this card because like a lot of us out there, I ran into a lot of trouble with my credit when I was younger. This is the only card I could get, besides a secured card that I also had. I really wanted to rebuild my credit, which is the only reason I applied for this card. The fees are astounding. There was a $175 fee right off the bat. I know they are taking a risk on us with bad credit, but it's appalling how much we are taken advantage of - and how hard it really is of those with bad credit to build back up. The APR is high also, which could potentially put you back in a rut if you aren't careful. Bottom line: If you want to rebuild your credit, try this card. Be careful, however, and know the risks. Possibly consider getting a secured card instead.
November 1, 2012 at 02:54pm
I had a First Premier Credit Card for about 2 years. I obtained it to help rebuild my credit following a divorce. The fees were expensive, and the APR was high...but they were taking a risk by lending to me, so I understood. As long as I kept paying the balance off at the end of every month, I never had to worry about the APR. I used mine to pay for gas, and then I would pay it off. I stopped using it when I couldn't afford to pay it off each month; I didn't want to get stuck in the same rut as I had been in before (living on plastic), so I cut it in half and threw it out. All in all, it's a good card to use to rebuild credit, but if you qualify for something better, I wouldn't recommend it.
November 1, 2012 at 02:47pm
I just received my First Premier card about a week ago, I don't understand why people have so many complaints about the fees & interest rates. If you have a secured card like myself you get your card before you actually pay any fees & if you read the paperwork all the costs are listed. If you just needed a card to establish or re-establish credit you can to 2 things to avoid some of those fees & high APR rate (mine is 36%......ouch) keep the balance low $100.00 dollars or below or simply activated it & don't use it, you're credit will still improve.....
October 7, 2012 at 04:00pm
I've had First Premier credit card for about six months now. I got a pre-approved application in the mail from them and I needed a credit card so I decided to try them out. After filling it out and sending it back to them I was approved within a week or so and had my new credit card. My credit line was a lot more than I was expecting, so I was really happy with that. The minimum payment each month is a little higher than most credit cards. Overall I'm happy with them and would recommend them.
July 12, 2012 at 04:02pm
I signed up for this card because it was one of the only ones that would approve me. I had poor credit at the time. The customer service has been great anytime I have had to call to ask any questions or make a payment. I do think that the interest rates are extremely high as well as any late or over the limit fees. Whatever you do, don't pay the minimum payment on this one. Try to keep it paid down. I would recommend this card for someone that has poor credit or is trying to repair their credit but can be responsible enough to use it wisely.
June 23, 2012 at 04:54am
I’ve used the First Premier Bank MasterCard now for about seven years. The first credit card I ever had. Due to a low credit rating, I was never able to acquire a credit card from anyone no matter how hard I tried. I remember when I got the application from First Premier Bank in the mail, out of nowhere. I was sure they wouldn’t approve me, either. But I decided to humor myself anyway. I filled out the application and to my amazement, a short time later, I received my First Premier Bank credit card in the mail. I am thoroughly satisfied with them. I appreciate their affordable annual fees and monthly fees, also that their cash advance fees are reasonable. I use my card often and have never, ever had any problems making purchases with it. And anytime I’ve had questions concerning my MasterCard, there’s always been a friendly, well-trained representative from First Premier to assist me when I’ve called. All-in-all I give the First Premier Bank MasterCard two thumbs up.
June 14, 2012 at 06:37pm