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  First Premier Credit Card
First Premier Credit Card
in Credit Cards from First Premier Bank
Unaffiliated

First Premier Credit Card

Unaffiliated
in Credit Cards from First Premier Bank
SuperMoney Net Recommendation Score -67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

2 users recommend
1 user is unsure
12 users don't recommend
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Total Visa® Card
Total Visa® Card 33 reviews
Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 36%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 560 - 700
Annual Fee $45 - $100
Number of Reviews 15

First Premier Credit Card Review

This is a credit card issued by First Premier Bank. If you're wondering whether First Premier credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 36%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 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 bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of First Premier credit card
The Good The Bad
  • Considers applicants with fair credit.
  • First Premier Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $100.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
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.

What are the First Premier credit card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

First Premier Credit Card has a variable purchase APR of 36%. 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.

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?

The following fees apply:

First Premier credit card Fees
Fees Amount
Annual Fee Starting at $45 up to $100
Initial Program Fee $55
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does First Premier credit card have a foreign transaction fee?

First Premier credit card charges a foreign transaction fee of 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 First Premier credit card customer service number is (605) 357-3440.

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 First Premier credit card login page?

You can access the First Premier credit card login page 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 First Premier Credit Card report your account activity to credit bureaus?

Yes, First Premier Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for First Premier credit card

  • Visit the First Premier credit card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 48 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Initial Program Fee $55 - $95
No Interest Grace Period for Late Payment 27 days
Cash Advance Fee Minimum $8
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $8
Foreign Currency Transaction Fee 3%
Annual Fee $45 - $100
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 560 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 36%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 36%
Card Type
  • Bad Credit
Card Network Mastercard

First Premier Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -67, equating to 1.7 on a 5 point rating scale.

-67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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