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Offered by: First PREMIER Bank

First PREMIER® Bank MasterCard® Credit Card

This credit card is available to consumers with a checking account. Paying on time and keeping your balances low relative to the credit limit with all creditors shows that you can responsibly manage a credit account and may help build credit history.
  • Must have checking account to qualify
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • 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 your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limits
  • Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
527
Typical Low: 430
Typical High: 618
   

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Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

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Annual Fee

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Late Fee

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Cash Advance Fee

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Balance Transfer Fee

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Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 19,302
Data Created: February 02, 2015



122 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

The price you pay to rebuild bad credit Helpful to 19 out of 21 people

I opened my account with First Premier more than a year ago. I have two cards with them actually. The reason I decided to apply for this card after recieving a pre-approved letter in the mail was because I wanted to restablish my credit because it was damaged. Yes, there are high interest fees, and monthly fees, and yearly fees, and yes an activation fee, but this is the price you pay when you have bad credit. You don't have a lot of options. I was able to work on my credit and slowly but surely, my credit score is rising and I have even been approved for a capital one credit card. My advice is, if you want to establish your credit, this is the card for you. But for al ong term card for use, this is not ideal. I plan on canceling this credit card once my credit score is where I'd like it to be.

Mar 12, 2015
Useful for rebuilding Helpful to 32 out of 35 people

This is a great card for rebuilding your credit. I applied and have increased my score by almost 150 points over the past year. Unfortunately, my year of waived monthly fees just expired so I am applying for another card to replace this one as the $10 monthly fee is quite steep with a small credit limit and almost no use of the card.

abartl's response was:    

 
Feb 27, 2015

abartl(1, 32)

Total Ripoff Helpful to 28 out of 33 people

Two words for everyone, STAY AWAY! This place will jack up your interest to 49% You are better off getting a secured card with Bank of America or Capital One......

lynnskd007's response was:    

 
Feb 26, 2015

lynnskd007(2, 30)

Garbage. Easily frauded, clean up messy Helpful to 56 out of 61 people

I got this card for the 0% intro special they offered at one point. There were a lot of fees but that wasn't the issue, I was aware of them and as other have mentioned, sometimes its just the price to pay to rebuild if it's not that great. Anyway, it was my 3rd open card I was closely monitoring my credit and found 3 fraudulent charges after about 6 months!! In about two weeks time, 3 ($50-$100) charges showed up from various websties in europe that I'd never heard of (and that disappeared within a month, I know because I went to each one as it was listed on my bill). I disputed the charges and found it to be a painful process: call, fill out and fax forms, call, call, call, etc. They did eventually take the charges off, but by the time they did, I was ready to close my account. So I paid the balance off completely all at once and stopped using it, expecting to close the account as soon as the payment processed. Then, once it did, I called to close, but they couldn't let me because 3 MORE similar fraudulent charges were processed or pending. I repeated the awful process and after an excruciating 3 months of dealing with this mess, I was finally able to close the account, though customer service retention efforts were annoying and went on and on. The main thing they touted was sending updates to all 3 credit bureaus each month. Never had any fraudulent charges anywhere else, ever.

kwoods1575's response was:    

 
Feb 15, 2015

kwoods1575(2, 58)

They gave me a chance. Helpful to 24 out of 36 people

I'm not going to screw it up. Its a price I have to pay until things get back on track. Thanks First Premier!

Feb 13, 2015

See all 122 Reviews of First PREMIER® Bank MasterCard® Credit Card

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2014 through March 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.