First PREMIER Bank Credit Card

The First PREMIER Bank Credit Card has an extremely high APR and huge fees. This is not a card that we recommend using.

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.

Quick View

Quick View

  • Rewards

    None

  • Signup Bonus None
  • Chip Technology Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR 36.00%
  • Penalty APR -
  • Late Fee Up to $38
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Extra Fees

  • Processing Fee: $95 one time.
  • Monthly Service Fee: $0 the first year, then $75 annually

Mastercard Benefits

  • This card comes with Mastercard benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 1 reviews
by Jersey Girl
First Premier - Beware!

Let me start by saying that I REALLY wish I had never gotten this card. I had been rebuilding my credit after an ugly divorce, and decided despite the initial fees that amounted to nearly $200, that it was worth it to build my credit. What I didn't realize was that even if you DON'T use this card, you have to pay a fee of $8 MONTHLY...so they literally charge you for nothing. THEN, you pay an annual fee of $79, again, whether your use the card or not. This doesn't even begin to explain the issues with both their app and even on the website when you go to make payments, etc. Fail all the way across the board. I realize that when you are trying to build or rebuild your credit, your desperate and caught in a spot where the better cards won't offer you credit, so you are left to get either a secured credit card or one such as this. However, my advice would be to go with a secured card that reports to the bureaus, that you have to have some money in initially and then once you start building the credit, they will give you a regular credit line card. Look them all up and which are better. This card has no "upgrade", and so if you have to pay that much in, especially initially, you might as well put that into a secured card that reports to the bureaus, than give this bank your hard earned money. I now have excellent credit and many high balance, rewards and NO fees cards, so I will be canceling this one prior to the annual fee, that's for sure. Good luck to all.

The Insider

Brendan Harkness
Review of the Chase Freedom Unlimited Credit Card
Brendan Harkness | Apr 24, 2018

The Chase Freedom Unlimited provides a flat 1.5% cash back for every purchase, along with other benefits. Read our review to see if it's right for you!

Read More
Brendan Harkness
Review of the Chase Sapphire Preferred Card
Brendan Harkness | Apr 19, 2018

The Chase Sapphire Preferred is popular for its travel and dining rewards, but is it right for you? Read our review to decide for yourself.

Read More
John Ganotis
Chase Credit Cards: An Overview
John Ganotis | Apr 16, 2018

There's a wide variety of Chase credit cards, mostly designed for people with great credit history and credit scores. Is one of them right for you?

Read More