First Premier Credit Card
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| 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.
- 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.
| The Good | The Bad |
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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:
| 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.
Contact
- Headquarters
-
601 S Minnesota Ave
Sioux Falls, SD 57104 USA - (605) 357-3440
- Visit Site
- Email Support
Other Services by First Premier Bank
Availability
- 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 |
First Premier Credit Card Community Reviews
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