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  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

Net Recommendation Score -100% 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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3 users don't recommend
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Highlights
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Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $173.80
Purchase APR  (Variable APR) Starting at 36%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 560 - 700

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% .

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

    First Premier Bank Credit Card does not offer an introductory rate on new purchases.
    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 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?

    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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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 New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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 $95
    No Interest Grace Period for Late Payment 27
    Annual Fee $173.80
    Foreign Currency Transaction Fee 3%
    Late Fee Amount $38
    Minimum Interest Charge $1
    Returned Payment Fee $35
    Checking Account Required  
    Co-signing Allowed  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Cash Advance APR (Variable APR) Starting at 36%
    Purchase APR (Variable APR) Starting at 36%
    Balance Computation average daily balance (including new purchases)

    First Premier Bank Credit Card Community Reviews

     

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