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First PREMIER® Bank Credit Card

First PREMIER® Bank Credit Card


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  • APR 36% fixed
  • Intro APR N/A
  • Balance Transfer APR N/A
  • Balance Transfer Intro APR N/A
  • Cash Advance APR 36%
  • Annual Fee $95 one-time program fee, then annual and monthly fees that vary by your credit limit
  • Cash Advance Fee $6 or 5% of value, whichever is greater
  • Balance Transfer Fee N/A
  • Foreign Exchange Fee 3%
  • Rewards Details N/A
  • Signup Bonus N/A


  • Use everywhere MasterCard is accepted

Expert Reviews

From the Editorial Team

If you want to carry one of the worst credit cards we have ever seen, now’s your chance. But the experience will cost you an arm and leg.

Expert Reviews of the First PREMIER® Bank Credit Card

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    Regular APR

  • 0.0

    Intro APR

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  • star rating 0.0/5

    Overall Rating

The Bottom Line

Once in a while a card comes along that charges such outrageous fees it makes credit card reviewers wonder why it’s even legal. This one is a prime example, and apparently it is already banned in at least two states in the USA.

The Good

This is a full-fledged credit card, not a debit or pre-paid card, and it’s accepted wherever MasterCard is accepted. You can apply even if you have bad credit, and if you carry the card you have the potential to improve your credit by making timely payments, and you can also request an increase in your credit limit from First Premier Bank.

The Not So Good

Two states don’t even allow issuance of this card. 
After your account has been open for 13 months you can ask for it to be considered for a credit limit increase. But before you ask, be forewarned. The card company charges you a fee in the amount of 25% of the amount of the credit limit increase. 
The APR for purchases and cash advances is 36%, which is about twice as much as the typical credit card. There is a cash advance surcharge fee of $6.00 or 5% of the amount of each advance, whichever is greater, and there is a 3% foreign transaction fee.
There is a $95 processing fee just for opening a credit card account,.
The annual fee is between $75 and $125, depending on your credit limit, for the first year. That fee drops to either $45 or $49 for subsequent years – which is still extremely high.
On top of those extraordinarily expensive fees there is also a “servicing fee” of either $75 or $124.80 per year, depending on your credit limit.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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