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First PREMIER® Bank Credit Card card

First PREMIER® Bank Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on…
Recommended credit
Poor
Card network
Mastercard
Regular purchase APR
36%
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

Ideal for individuals developing good credit borrowing habits, the First PREMIER® Bank Credit is worth considering if you’re planning on keeping your purchases small and your payments on time. Understanding credit scores can be tricky. Fortunately, there are practical steps that can be taken when trying to improve your credit score – and the First PREMIER® Bank Credit Card is a great place to start.

Our review of the First PREMIER® Bank Credit Card

The First PREMIER® Bank Credit Card is a valuable tool for individuals looking to boost their credit scores. While the card has a strict credit limit and high APR, these factors can help users budget effectively and maintain low balances, demonstrating financial responsibility and enhancing their credit standing. Additionally, cardholders have access to free quarterly FICO score reports to monitor their credit health. They can also manage their account online, with the option to enroll in automatic payments for added convenience.

However, it’s important to be cautious of the numerous fees associated with the First PREMIER® Bank Credit Card. From application fees to monthly charges, the total fees can vary based on your credit score, with an annual fee that can reach up to $125. Additionally, the card carries one of the highest APRs for purchases in the market, making it less attractive compared to secured credit cards or other options for individuals with bad credit.

In conclusion, the First PREMIER® Bank Credit Card serves as an unsecured credit option for those with poor credit history but comes with high costs. There are better alternatives available, and individuals should explore other credit card offers to find a more suitable option. For additional information on building credit and credit card options, check out our Comprehensive Credit Cards for Bad Credit Reference Page for expert advice and the latest credit card offers.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Quarterly FICO® score is provided free of charge with monthly billing statement
  • Ideal for consumers with less than perfect credit
  • Free online account access
  • Forget about late fees by enrolling in PREMIER Auto Pay

Who this card may suit

  • You have less-than-perfect credit
  • You want to build your credit and monitor its progress

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
Regular Purchase APR36%
Cash Advance APR36%
Cash Advance Transaction FeeEither $8 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $39
Return Payment Penalty FeeUp to $39

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit.

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First PREMIER® Bank Credit Card

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