Last Updated: 07/28/2025
PREMIER Bankcard® Mastercard
Unaffiliated
in Credit Cards from First Premier Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -74
Strongly not recommended19 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
36%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
560 - 700
Annual Fee
$45 - $100
Number of Reviews
PREMIER Bankcard® Mastercard Review
This is a card issued by First Premier Bank. If you're wondering whether PREMIER Bankcard® Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 36%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. First Premier Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of First Premier credit card
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First Premier credit card FAQ
Does First Premier credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Premier credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.PREMIER Bankcard® Mastercard has a variable purchase APR of 36%. PREMIER Bankcard® Mastercard does not offer balance transfers. It also has a variable cash advance APR of 36% .
Does First Premier credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. PREMIER Bankcard® Mastercard does not offer balance transfers.Does First Premier credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Premier credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $45 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $55 - $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $45 up to $100.
Does First Premier credit card have a foreign transaction fee?
First Premier credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for First Premier credit card?
The customer service number for First Premier credit card is (605) 357-3000.
What is the support contact email for First Premier credit card?
The support contact email for First Premier credit card is customercare@firstpremier.com.
What is the login page for First Premier credit card?
You can access the login page of First Premier credit card here.
How do people rate the customer service and user experience of First Premier credit card?
Overall, First Premier credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does PREMIER Bankcard® Mastercard report your account activity to credit bureaus?
Yes, PREMIER Bankcard® Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does First Premier Bank perform a hard credit pull?
Yes, First Premier credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Premier credit card
- Visit the website of First Premier credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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