First PREMIER Bank Credit Card

For People with
Bad Credit



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

Card Quick Facts

Card Quick Facts

  • Checking Account Required.
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month.
  • If approved, once the account is opened users will have access to millions of merchants worldwide (subject to available credit).
  • Rebuilding credit history may be possible: make on time payments to all creditors and keep the account balances low relative to the credit limits.

For People with
Bad Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee Up to $125 the first year, up to $49 each year after that
Additional Cards Annual Fee -
Regular Purchase APR 36.00% Fixed
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 36.00% Fixed
Cash Advance Fee 5%, $6 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 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

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Average rating:  
 2 reviews
by Robert
Scam Bank

This bank harrasses you for no reason.They charge fees for everything.They charge late fees when investigating fraudulent charges.They do not fix fraud charges.They have incompetent staff.

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 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.

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