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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
526
Typical Low: 432
Typical High: 617
   

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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



129 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

Be aware of the fees Helpful to 4 out of 5 people

The card is good for rebuilding credit but be very aware of the monthly maintenance fee, and they won't do a credit line increase. It's my oldest credit line so another year and I'm done with them.

HEARTLAND223's response was:    

 
May 16, 2015

HEARTLAND223(1, 4)

Helpful to 1 out of 2 people

as everyone says, use it to build credit if needed then get a new one with better rates ECT as offers come in. Beware of their second card offer. It has the same fees ECT as the first one does. Instead of increasing good credit, they double charge for more of the same on a second card. Otherwise it works as it should if you are careful.

Anonome's response was:    

 
May 16, 2015

Anonome(22, 109)

Top Contributor

They are what they are Helpful to 10 out of 12 people

I had horrible credit. (530)
I got 2 secured cards, B of A, and Wells Fargo. I talked Les Schwab into giving me a $500 credit line. I used everything responsibily. I began to receive pre approved credit card offers, so I applied for, and received, 4 of them. 2 Capital one cards, 1 Merrick bank, and 1 premier card...continued to use responsibily, and not exceed 30% balance....

I have found premier to accept & credit payments promptly, their customer service was polite and informative (although, i didn't have an issue, just a question)

As for the FEES?

If you like the fact that they will give YOU credit, and if YOU are responsible, THEY report FAORABLY to the credit bureaus.

I happen to LOVE that. 

2 weeks ago I was approved for financing on a home..

REBUILDING YOUR CREDIT IS WORTH IT!!

Margaretrail's response was:    

 
May 16, 2015

Margaretrail(2, 10)

Stay away! Helpful to 4 out of 4 people

This card is ONLY for low credit people who are desperate for a credit card. You will pay both and annual service fee and a monthly service fee. The customer service is almost non-existant. I had this card for 12 years and no my credit is in great shape and I am restructuring. I called FP to see if I could upgrade or something to avoid the service fees and they said no. I told them that if i am not able to avoid the fees then they would be the first c-card i cancelled and the rep actually asked me if I wanted her to transfer me to the account closure department. So I said yes, closed the card and have never looked back. do yourself a favor and SKIP this card. Go with Capital One.

louddoug30's response was:    

 
May 14, 2015

louddoug30(1, 4)

See all 129 Reviews of First PREMIER® Bank MasterCard® Credit Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 November 2014 through April 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.