First PREMIER® Bank Platinum Credit Card

We're sorry, but the First PREMIER® Bank Platinum 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.

Below you can review the First PREMIER® Bank Platinum Credit Card and find the card's rates and fees according to our latest records, which may be outdated.

Alternatively you can compare the latest credit card offers and save money.

first premier bank platinum credit card
Required Credit Score: Bad
Minimum Security Deposit: None
2.5 19 reviews   Write a Review!
Existing Cardholders

First PREMIER® Bank Platinum Credit Card’s Key APRs & Fees

  • 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 Platinum Credit Card’s Highlights

  • Your initial credit limit will be $700 and your initial available credit will be only about $525, given the $175 Annual Fee that is charged on the card.
  • Reports your credit history to the major Consumer Reporting Agencies.
  • 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.
  • * 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 Platinum Credit Card’s Additional Info

  • MAX LATE FEE   $35
    None 1st yr, 3% after
  • CASH ADVANCE FEE 5% (min $6)
back to top

First PREMIER® Bank Platinum Credit Card Reviews

Your Rating: 0 edit
Your Rating:
1 2 3 4 5
Overall Rating: 2.6 / 5
Total Ratings: 19
Sort by:
Aug 19, 2013
Photo of Michelle F.
For what it is, I think this credit card is a little on the bad side of your options. Granted, you have to take into account the fact that credit cards can be extremely hard to come by if you have bad credit. So of course the company is going to try to get as much money from you as possible up front, and every chance they have thereafter. Still, even with bad credit, there are better options. For example, the credit limit increase fee is outrageous! I've never seen a card that does this, and I would recommend against getting this card on that basis alone.

A better option would more
Aug 15, 2013
Photo of Calvero D.
The First PREMIER Bank Platinum Credit Card is one of the worst most out ridiculous credit cards on the market for those with bad credit not only is the APR one of the highest on the market any place for any card but the company is just terrible I Signed up for this card years ago, I didn't end up activating it and called to cancel as soon as it arrived at my house. I end up paying 1300$ in fee's for a credit card who's limit would have only been 200$ to start with. I would say if you have to choose no credit card of this one, just more
Aug 12, 2013
Photo of Ariyana S.
It seems that there a lot of fees and payments associated with this First Premier Bank Platinum credit card and not enough leeway. It doesn’t have a simple or clear cut structure of fees either. With each year or month that passes, the fees associated with the card vary. The one-time fee seems tacked on in order to milk more money out of the customer. In addition, there are monthly and annual fees applied to the card. I don’t see what is enticing about this card. Perhaps since this is for customers with bad credit, they want to ensure that they’ll get their payments, or perhaps they know that they more
Aug 9, 2013
Photo of Harry K.
The First PREMIER® Bank Platinum Credit Card is really one of those credit cards that help you get back on the right track. Although there is a very high first year fee of $175 and then $45 a year after the that the high credit limit of $700 to start blows other cards out of the water. No other place can you even find a card with a limit close to that for those of us with bad credit. Another great thing about the First PREMIER® Bank Platinum Credit Card is that as you use the card and pay your bills on time over time you will earn an even more
Aug 5, 2013
Photo of David B.
I'm torn on the First PREMIER Platinum Credit Card, it is aimed to "help" people with bad credit by giving them an opportunity to have a card, but it seems to me more like a way to exploit them. Sure, I am all for giving people with "bad credit" a chance to dig themselves out, but this card seems a bit much. Huge annual fees, monthly fees after the first year, and an absolutely obscene 36% interest rate on purchases? This is just an insult and a kick in the ribs to someone who is already "down on their luck" because ofactions taken by the same groups of people who more
Aug 2, 2013
Photo of Johnna H.
First PREMIER Bank Platinum Credit Card's name is a bit misleading and it is definitely not a platinum card. Its more for someone like me with poor or no credit and will help you boost it. Its features though even for that type of card is pretty poor. $175 annual fee is definitely a lot higher than any other secured card and really holds you back. If you actually put stuff on the card, the APR is so high that you're paying a lot more for anything you purchase. If you need to build your credit there is way better secured cards for you. Only use this as your last resort.
Aug 2, 2013
Photo of Mike G.
First Premiere Bank might be calling this a platinum credit card, but it’s actually a card designed for people with very poor credit. There are so many catches that go along with this card it would be difficult for the average user to keep track of them all. The annual fees are pretty high for an unsecured credit card. Between the one time fee when signing up, annual fee and monthly fee, you’ll have spent $290 in fees alone just to have this card in your wallet for the first two years. You will also be charged for each credit limit increase in the form of 25% of the amount more
Aug 1, 2013
Photo of Ashley S.
I love the fact that the First PREMIER Bank Platinum Credit Card is an unsecured card for bad credit. The con of this card is the first annual fee, one time fee, and APR. However if you are looking to get back on your feet and re-establish credit this is the way to go. A perk of this card is that once you are eligible for a credit limit increase, First Premier will do a 25% increase. There is also another good thing about this card, the monthly fees are $0.00 for the first year after that the monthly fees are only $6.25. Many other unsecured cards for bad credit more
Page: 1
+11 users submitted a rating without a full review
Related Credit Cards

If you are interested in the First PREMIER® Bank Platinum Credit Card, check out the following credit cards as well:


CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, 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 Platinum Credit Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Jul 7th, 2014 at 7:39 EDT