First PREMIER® Bank MasterCard® Credit Card

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  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report.
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply!
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
Annual Fee:
See Terms*
Purchase Intro APR:
Purchase Regular APR:
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Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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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.

Cash Advance Rate See Terms*
Cash Advance Fee See Terms*
Late Fee See Terms*
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee See Terms*
Return Payment Fee See Terms*

Our Take

The First PREMIER® Bank MasterCard® Credit Card is a solid option for those with a limited or poor credit history that are hoping to build or re-establish credit.

What to Like

The First PREMIER® Bank MasterCard® is unsecured, meaning you won’t have to put down a deposit to access your credit, though there are fees associated with this offer. This card reports to all major consumer reporting bureaus, so using it responsibly and making on-time payments could help you build credit.

Look Out For

The First PREMIER® Bank MasterCard® requires a one-time processing fee to open your account along with additional recurring fees that are billed to the card after the account is opened. Like many cards geared toward low credit scores, this card also has a relatively high interest rate. Interest rates and fees may vary, so be sure to check the specific terms of this offer before applying.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 April 2017 through September 2017. 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.

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