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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | N/A |
Balance Transfer Fee | N/A |
Penalty APR | N/A |
Late Fee | Up to $38 |
Returned Payment Fee | Up to $38 |
Additional Cards Annual Fee | $29 |
Foreign Transaction Fee | 3% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 36.00% Fixed |
Cash Advance Fee | 5%, $8 minimum |
You can usually pay your bill online on your
Credit card issuer's websiteThe First PREMIER Bank Credit Card has an extremely high APR and huge fees. This is not a card that we recommend using.
You’ll pay a one-time program fee to open the account, which most card issuers don’t charge. Then you’ll pay an annual fee and monthly fees that depend on your initial credit limit:
Credit Limit | Program Fee | Monthly Fee | Annual Fee | Initial Available Credit |
---|---|---|---|---|
$300 | $95 (one-time) | $0 for one year, then $6.25 monthly ($75 yearly) | $75 for one year, then $45 | $225.00 |
$400 | $95 (one-time) | $0 for one year, then $6.25 monthly ($75 yearly) | $100 for one year, then $45 | $300.00 |
$500 | $95 (one-time) | $0 for one year, then $10.40 monthly ($124.80 yearly) | $125 for one year, then $49 | $375.00 |
$600 | $75 (one-time) | $5.85 monthly for one year $70.20 yearly), then $8.25 monthly ($99 yearly) | $79 for one year, then $49 | $515.15 |
$700 | $55 (one-time) | $8.00 monthly for one year ($96.00 yearly), then $10.40 monthly ($124.80 yearly) | $79 for one year, then $49 | $613.00 |