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First Premier Credit Card Review

First PREMIER® Bank MasterCard® Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Fair / Bad Credit
Card Rating:
First Premier Credit Card is from First PREMIER Bank, which is one of the top twenty issuers of credit cards with the MasterCard logo in the country and has served several millions of clients everywhere in the nation. The First Premier Credit Card is a card that is promoted to people with bad credit, people who got into that situation as a result of a divorce, illness or via the loss of a job. The First Premier Card, which is otherwise known as Premier Bankcard and First Premier, works just like the conventional credit card and unlike a prepaid debit card or secured card.

First Premier Credit Card Details


  • Easy Online Application!58
  • Your account history reports to the major Consumer Reporting Agencies.58
  • Use your card everywhere MasterCard® cards are accepted (subject to available credit).58


Max. Rewards: n/a58
Sign-up Bonus: No


Purchase Intro APR: n/a58
Purchase Regular APR: 36%58
Cash Advance Fee: $658
Cash Advance Regular APR: 36%58
Balance Transfer Intro APR: n/a58
Balance Transfer Regular APR: See terms
Balance Transfer Fee: See terms
Annual Fee: See terms

First Premier Credit Card Benefits

The First Premier permits users to have access to money but only up to a fixed limit, and then allows them to pay off their balance at the end of every month. First Premier publicizes the fact that the card may assist in building, rebuilding or reestablishing credit history if payments are made promptly to all creditors and the balances on each account is kept to a minimum concerning the credit limit.

First Premier Credit Card Drawbacks

There was a time when First Premier used to offer two different credit cards, which were the Centennial card and the Aventium card. But at the moment, it issues only one of such cards which come with a credit limit of $300, and this depends on fluctuations of creditworthiness. They do not offer any cash back program or rewards. Another noteworthy drawback is that although clients are free to increase their credit limit, they will be charged a fee which has grown to about 25%. For instance, increasing the credit limit to say, $400, a client will have to pay out $100. This is a bit unfair, for only those who carefully spend money will be qualified to increase their credit limit, even as they end up paying highest fees.

Contact Information




First PREMIER Bank, P.O. Box 5524, Sioux Falls, SD 57117-5524

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