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First PREMIER® Bank Credit Card

  • Regular Purchase APR   36%
  • Cash Advance APR  36%
  • Annual Fee  $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
  • Credit Needed  Poor
  • Processing Network Mastercard

Best Benefits
  • 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
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 36%
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: 36%
     Cash Advance Transaction Fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: $75-$125 the first year, depending on credit limit. After that, $45 to $49 depending on credit limit
     Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Poor


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. 

The Gist

The First PREMIER® Bank Credit Card can be a worthwhile acquisition for customers aiming to fortify their credit scores. While the card’s credit limit is strict, and its APR high, these factors are an effective way to budget wisely and keep balances low – thereby showing financial responsibility and improving credit standing. In addition to the convenience of a traditional credit card, the First PREMIER® Bank card also provides free quarterly FICO score reports so cardholders can monitor the health of their credit. In addition, First PREMIER® grants users online access to their account so they can review it on desktop or mobile devices. Plus, they can enroll in automatic payments and have one less monthly bill to manually tend to.

Apply for This Card if You:

  • Have less than perfect credit
  • Want to build your credit and monitor its progress

Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: September 1, 2019 12:09 pm

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.