SuperMoney
  First Premier Bank Credit Card

First Premier Bank Credit Card

in Personal Credit Cards from First Premier Bank

Unaffiliated

First Premier Bank Credit Card

Unaffiliated

in Personal Credit Cards from First Premier Bank

SuperMoney Net Recommendation Score -50%

SUPERMONEY NET RECOMMENDATION SCORE

-50%

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.

Mostly not recommended

2 users recommend
0 users are unsure
6 users don't recommend
Cast your vote

Would you recommend First Premier Bank Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 36%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 560 - 700
Annual Fee $120 - $174
Number of Reviews 8

First Premier Bank Credit Card Review

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

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 qualify.
First Premier Bank Credit Card Pros & Cons
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 up to $120.
  • 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 Bank Credit Card FAQ

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.

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 of 36%. It also has a variable cash advance APR of 36% .

Does First Premier Bank Credit Card have an introductory APR offer on balance transfers?

No, First Premier Bank Credit Card does not come with an introductory APR offer for balance transfers.

Does First Premier Bank Credit Card have an introductory APR offer on new purchases?

First Premier Bank Credit Card does not offer an introductory rate on new purchases.
First Premier Bank Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for First Premier Bank Credit Card?

The following fees apply to First Premier Bank Credit Card:

First Premier Bank Credit Card Fees
Fees Amount
Annual Fee Starting at $120 up to $174
Initial Program Fee $55
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does First Premier Bank Credit Card have a foreign transaction fee?

First Premier Bank 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 a foreign transaction fee.

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

Yes, 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 may help improve your credit.

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.

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

Feature Breakdown

Initial Program Fee $55 - $95
No Interest Grace Period for Late Payment 27 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $8
Foreign Currency Transaction Fee 3%
Annual Fee $120 - $174
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  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • 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
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 Bank Credit Card Community Reviews

 

Would you recommend First Premier Bank Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

-50%

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.

sorted by

Other Personal Credit Cards