First PREMIER® Bank MasterCard® Credit Card Reviews

Approval Odds

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2.0 out of 5 stars
44 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

2 5

Most Helpful Positive Review

Jan 14, 2013
Perfect rebuilder
Kristenkay26 Cardholder

This card has the high interest rates, the annual fees, and everything listed by the 1 star reviews. However, my credit was completely shot. It cost me I believe 120 bucks total to get the card in July. I have had on time perfect payments. Keep my utilization between 5%-15% at all times, although 9% is where I am mostly. My credit has increased almost 100 points in 10 months of working on my credit. My school loans also factor in. I am looking to buy a house in March; I got approved for a 100,000 FHA loan. This is by far the most expensive way to help rebuild your credit, but for me and many alike this is the only way to do so.

I will not complain as it was the starting point for me and has allowed me to fix my credit (still rebuilding). I recently just got another card with a higher credit line. I will be closing this account after my house goes through. I cannot say enough how happy I am that they gave me a chance, and also never ran a hard inquiry on me. (So my guess is anyone can get it). I would also like to let everyone know to make sure to check your own credit scores. I LOVE CK because it is pretty accurate with updates on my credit; however, it is nowhere near my credit score. My credit score is 640 and CK shows 591. Good Luck and I hope this helped someone. 

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Most Helpful Negative Review

May 08, 2013
It should only be used for rebuilding...
boricuarx787 Cardholder

While everyone is up at arms that this card has so many flaws, the fact of the matter is, it is strictly for rebuilding. If you are looking to add another line of credit with a satisfactory mark on your credit reports and an opportunity to minimize your Utilization %, then apply for the card, pay the $75 fee and don't use it. Plain and simple. Use them, don't let them use you. They extended their hand out to you, someone who probably doesn't have great credit, just like myself, so take up on the offer but don't give them the chance to screw you over. Use it once a week for a early morning latte and nothing more. Pay off the card in full thus paying no finance charges, deal with the fact it has an annual fee and enjoy the fact your credit is building faster than if you didn't have the card in your possession. Unfortunately those of us that are sub-prime users have to deal with the dirt and nonsense while we are still in the bottom, but remember cards like this give other companies a chance to prove yourself so take up on the offer, deal with the fees and enjoy better credit in the future.

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These reviews were written by current and former cardholders in the last year.

Jun 13, 2017
stay away from this card
gsu2432 Cardholder

i never used the card and they submitted a late payment to all three credit companies that i was late on the 8 dollar  a month credit fee they charge whether you use the card or not.  I had just spent a year repairing my credit and was around 690 and the late payment they reported put me back to 631 and they would not help or resolve the issue.  They are the worst card out there.

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Jun 13, 2017
Ashia242 Cardholder

This is the worst card I have ever had. The fees and annual fees are ridiculous. Customer service is rude and they don't give you no explanation nor answer direct questions. It's more than impossible to pay off the card due to all the hidden fees. They are scam artist. I would not recommend this card to my worst enemie. Please avoid and don't fall for the lies. Run and stay away from this card

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Jun 01, 2017
Anonymous Cardholder

Its no good they charge a lot interested.horrible:(

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May 30, 2017
Run like hell!
MsLadyKay Cardholder

Avoid this card at all cost! This is by far the worst card ever! Besides the ridiculous fees, their customer service is awful. RUN like hell!

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May 26, 2017
Stay away from this card they're rippin
Anonymous Cardholder

I don't recommend this card to my enemy it's a bad company 

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May 25, 2017
Do not get this card EVER!!!!!
javacruz Cardholder

There are 200 dollars in fees before you can use the card so if this is your only option use that 200 dollars on an OpenSky secured card and at least you will get it back when you close the account. There is no credit check and the interest is only 18.19 percent versus the First Premier interest of 36 percent. This card is set up to take advantage of those desperate for credit. 

Received an offer letter today and tossed  it in the garbage 

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May 19, 2017
BIGORICH Cardholder

Just paid off balances and still have to pay the nonsense annual fees. Been a cardholder for over 8 years in good standing. They make enough off their unsuspecting new clients with nonsense fees. They should at least take care of their limited number of loyal cardholders. If cancelling credit cards didnt hurt you credit I'd dump these guys for sure!

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May 19, 2017
BIGORICH Cardholder

Paid off balances and been a customer for over 8 years in good standing. Still have to pay nonsense annual fees. Sure wish cancelling credit cards didn't hurt your credit. I'd dump these guys for sure!

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May 18, 2017
Anonymous Cardholder


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May 06, 2017
Anonymous Cardholder

They give you a hard time when you want to cancell ared and the charge you way to many  fees. 

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First PREMIER® Bank MasterCard® Credit Card