First PREMIER Bank Credit Cards

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First PREMIER® Bank Credit Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor

Mastercard Processing Network

$75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit Annual Fee

First PREMIER® Bank Credit Card

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• 36% Regular Purchase APR
• 36% Cash Advance APR

At a Glance

Ideal for individuals developing good credit borrowing habits, the First PREMIER® Bank Credit is worth considering if you’re planning on keeping your purchases small and your payments on time. Understanding credit scores can be tricky. Fortunately, there are practical steps that can be taken when trying to improve your credit score – and the First PREMIER® Bank Credit Card is a great place to start.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Quarterly FICO® score is provided free of charge with monthly billing statement
• Ideal for consumers with less than perfect credit
• Free online account access
• Forget about late fees by enrolling in PREMIER Auto Pay

• Regular Purchase APR: 36%
• Cash Advance APR: 36%
• Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
• Annual Fee: $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $39
• Return Payment Penalty Fee: Up to $39

• You have less-than-perfect credit
• You want to build your credit and monitor its progress

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About First PREMIER Bank

First PREMIER Bank (sometimes stylized as 1^st Premier Bank or First Premier Bankcard) is a leading credit card issuer and bank located in South Dakota. The bank, with its headquarters in Sioux City, SD, is the 13^th largest issuer of Mastercard credit cards in the United States.

1^st PREMIER Bank Products and Services

First PREMIER Bank specializes in offering credit building credit repair and credit products for subprime credit scores.

PREMIER Credit Manager

The PREMIER Credit Manager program allows those with less-than-perfect credit scores to actively monitor their credit every month. Enrolling in the program gives users access to their Experian credit report and VantageScore credit report twice a month.

PREMIER Credit Protection

PREMIER Credit Protection is another credit repair and protection service from 1^st Premier Bank. This service pays the minimum monthly payment for those who opt-in with their 1^st PREMIER credit card and suffer an eligible life event.

Eligible life events include:

• Involuntary Unemployment
• Disability
• Unpaid Family Leave
• Hospitalization
• Loss of Life

Features of First PREMIER Credit Cards

1^st Premier bank specializes in subprime and credit repair credit cards.  As such, all First PREMIER Bank Cards are designed for those with bad credit scores or no credit history. Other features of First PREMIER Cards include:

• Annual Fees: First PREMIER credit cards come with an annual fee. These yearly charges range from $75 to $125 for the first year – and approximately $45 every year after that.
• Monthly Maintenance Fees: First PREMIER Bank may also charge a monthly fee for using your credit card. These fees may range from $6 to $10 per month, though some 1^st Premier cards come with no monthly maintenance fees at all.
• High APR: Unsecured credit cards for bad credit don’t feature low interest rates – and 1^st premier unsecured credit cards are no different. While the First PREMIER secured Card features a competitive APR (for a secured credit card), all other cards have a regular purchase APR in the mid-30s. That rate is among the highest APRs you can expect anywhere.

FAQs About First PREMIER Bank Credit Cards

Here are answers to some of the most commonly asked questions about First PREMIER Bank, and 1^st Premier Bank credit cards: