First Premier Bank Credit Card Review

First Premier Bank Credit Card is a credit card issued by First Premier Bank. 

This card is designed for people who have bad credit. The minimum credit score to apply is 560. First Premier Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether First Premier Bank Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of First Premier Bank Credit Card

The Good	The Bad
Considers applicants with fair or poor credit. First Premier Bank Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $173.80. 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 rewards.

Is there a First Premier Bank Credit Card cash back or rewards program?

No, First Premier Bank Credit Card does not offer a rewards program.

First Premier Bank Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for First Premier Bank Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Premier Bank Credit Card has higher than average purchase APRs.

First Premier Bank Credit Card has a variable purchase APR starting at 36% . It also has a variable cash advance APR starting at 36% .

First Premier Bank Credit Card Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

First Premier Bank Credit Card Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	Starting at 36%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 36%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the First Premier Bank Credit Card fees?

The following fees apply to First Premier Bank Credit Card:

First Premier Bank Credit Card Fees

Fees	Amount
Annual Fee	$173.8
Initial Program Fee	$95
Foreign Transaction Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$38

Does First Premier Bank Credit Card report your account activity to credit bureaus?

First Premier Bank 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 can help improve your credit score.

How to apply for First Premier Bank Credit Card

• Visit the First Premier Bank 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.