Last Updated: 07/28/2025
SuperMoney User Recommendation Score -74
Strongly not recommended19 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
36%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
560 - 700
Annual Fee
$45 - $100
Number of Reviews
PREMIER Bankcard® Mastercard Review
This is a card issued by First Premier Bank. If you're wondering whether PREMIER Bankcard® Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 36%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 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 poor credit.
Pros & Cons of First Premier credit card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.PREMIER Bankcard® Mastercard has a variable purchase APR of 36%. PREMIER Bankcard® Mastercard does not offer balance transfers. 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. PREMIER Bankcard® Mastercard does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $45 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $55 - $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $45 up to $100.
Does First Premier credit card have a foreign transaction fee?
First Premier credit card charges a foreign transaction fee of up to 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 customer service number for First Premier credit card is (605) 357-3000.
What is the support contact email for First Premier credit card?
The support contact email for First Premier credit card is customercare@firstpremier.com.
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 PREMIER Bankcard® Mastercard report your account activity to credit bureaus?
Yes, PREMIER Bankcard® Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does First Premier Bank perform a hard credit pull?
Yes, First Premier credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Premier credit card
- Visit the website of First Premier credit card.
- 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.
Other Services by First Premier Bank
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Savings Accounts
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Personal Lines of Credit
Rating not yet determined (1 Review)
Other Credit Cards from First Premier Bank
Rating not yet determined
Purchase APR
19.9%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Up to 500
Annual Fee
$50
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
Starting at 300
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -74, or 1.5 on a 5-point rating scale.
-74
-1000+100
No one recommends
Everyone recommends
PREMIER Bankcard® Mastercard Community Reviews
Would you recommend PREMIER Bankcard® Mastercard to your friends?
CG
Christa G.
Jul 16, 2023
May or may not recommend
I received my "pre approved" application and immediately went online, filled it out & was "approved". After reading reviews I decided against getting the card. Apparently I'm ok because until I pay the $95 app fee my app hasn't been approved. That takes up to 90 days. So confused because it said I was approved after I did the app online. I'm so glad I didn't pat the $95 fee ...Show More
RL
Reginald L.
Jun 21, 2023
May or may not recommend
I made a payment on one card but can not use because linked to another card with agency THIS SERVICE IS HORRIBLE
JH
John H.
May 16, 2023
May or may not recommend
They suspended my account for no reason,I paid the first payment on time, then they suspended the account until I prove my identity, while in the process of providing identification I paid of the initial $125 fee and then out of nowhere they closed the account so basically I paid them $125 for a 2”x4” piece of useless plastic. I STRONGLY recommend NOT getting this card or doing business with ...Show More
EM
Eric M.
Mar 28, 2023
May or may not recommend
I was trying to build my credit so I opened up a First Premier Credit Card. After having the card for a year I decided to pay it off and close my account. I did not want to pay another annual fee of $45.00 to keep a card that did not offer me any benefits. When I called to close my account the account representative offered to waive the annual ...Show More
Tarah D.
Jul 5, 2022
May or may not recommend
I would definitely NOT recommend this card to friends and family. The APR is extremely high and there is an annual fee. This card is mostly for those trying to re-establish your credit. After a bankruptcy, First Premier was one of the only credit card companies that would accept me. I signed up and paid 250 (which also ended up being my balance), and was ...Show More
VI
Valentyna I.
Jun 28, 2022
May or may not recommend
Unbelievably high APR, rude customer service, will ruin your credit if you miss a payment (I forgot to pay 7$ so it ended up on my credit!!!)
JY
Jessica Y.
Apr 7, 2022
May or may not recommend
I DO NOT RECOMMEND THIS CARD! I had nothing but problems with the card. There is the annual fee plus a getting started fee. On top of that the interest rate is high. The credit limit they offer is appealing for those with bad credit and wand a card to try to rebuild. I do not recommend this card if you are trying to do that.
Theo S.
Mar 18, 2022
May or may not recommend
I don't recommend this card to anyone who needs a card to boost their credit.
This card seemed appealing at first when it provided me with a large credit deposit to start out. However, it was rather frustrating that I didn't took the time too check what exactly this card was offering before I was brought in by its appeal.
What frustrated me to no end was the fees. Even though the ...Show More
Katrina O.
Mar 8, 2022
May or may not recommend
It's a good card to start off with if you have bad-ish credit. But I would only use it for smaller purchases that you can pay off monthly because that interest racks up really fast if you can only due the minimum payment monthly.
Latachia _.
May 16, 2021
May or may not recommend
I had this card years ago. It's the worst card I ever had! Customer service was very rude & the card can get expensive if you can't pay it off monthly!
There are way better cards out there for people with bad credit. This one is the worst ever!
TQ
Tatiana Q.
Dec 23, 2020
May or may not recommend
They provide excellent customer service, however, their rates and fees are extremely high. Another thing to consider that monthly payments are high as well.
ST
Shanekia T.
Nov 9, 2020
May or may not recommend
I have a First Premier credit card and I really like it. Although the annual fee can be a little high, I am able to use the card at the gas pump, which is a feature that some of the lower limit credit cards disable for security reasons. I also find the app to be really easy to navigate. Additionally, the offer balance protection in case you ...Show More
DW
Deonne W.
Oct 24, 2020
May or may not recommend
I actually like having credit cards with First Premier Bank.. They helped me out in emergencies and when I pay the bill in helps me build my credit, so that I will be able to work toward my goal of raising my credit. I've only had the card for about a year now and I have not had any problems while using the card and it is very ...Show More
MB
Marshall B.
Sep 29, 2020
May or may not recommend
This is a horrible card to have. The fees on this card. You would be better off getting a secure credit card with annual fee. Stay away from this card.
KD
Kelly D.
Jul 12, 2020
May or may not recommend
Awful ppl scammer worst than any street gang or cartel in my book. How is it legal why are the authorities letting these ppl do this to us.
SH
Shelly H.
Apr 15, 2020
May or may not recommend
No. Just no. $79 annual fee + $95 Program Fee right off the rip? 36% interest? $12 monthly maintenance fee? This card will be the first to go before annual renewal. We found ourselves here because of bad luck, bad health or bad financial decisions. Don't make another one. It should probably be called First Predatory Bank.
U
Anonymous
Sep 13, 2019
May or may not recommend
First Premier just sent me the most insulting piece of financial marketing I've ever seen. The offer was for a card with a $300 credit limit and a $75 Annual Fee. That's extremely gangsta but I was willing to swallow the $75 because I'm rebuilding and I need some cards on my credit report. But wait, there's more. The letter was a 4 section folded piece. And only when you ...Show More
U
Anonymous
Feb 26, 2019
May or may not recommend
Super high fees. Can't even access the credit yi are supposedly given.
Lana S.
Dec 2, 2017
May or may not recommend
I have this First Premier Bank Mastercard, and I made a $200 deposit, and they gave me a $300 credit line with a very high interest rate. I would not recommend anyone to get this card because it's not worth it, and they just put you in never ending debt because it's difficult to pay off which sucks.
Showing 19 of 19 reviews
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