| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $75 – $125 in the first year $45 – $49 per year after that |
| Cardmember Agreement | View Here |
| Cash Advance APR | 36%–36.99% variable APR |
| Cash Advance Fee | 5% of the amount of each cash advance (minimum $5–$10 depending on account terms) |
| Late Payment Fee | Up to $39 |
| Purchases APR | 36%–36.99% variable APR (very high compared to mainstream cards) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The First PREMIER Credit Card is known as a high-fee, credit-rebuilding card aimed at people with poor or limited credit history. It doesn’t offer rewards, perks, or a signup bonus, and instead focuses on giving access to credit when other banks say no.
Most users say the biggest advantage is easy approval, even with low credit scores, and the fact that it reports to all three major credit bureaus, which helps build credit over time if used responsibly. Some reviewers also mention that it can be a stepping stone when starting from scratch.
On the downside, many cardholders complain about the high annual fees, additional account fees, and very high APR, especially if they carry a balance. Others note that the lack of rewards and bonuses makes it feel expensive compared to secured cards or newer beginner-friendly options.
Personally, I think this card only really makes sense as a last-resort credit-building tool. If you can qualify for almost anything else — especially a secured card with no fees and some rewards — you’ll usually be better off elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
C
Frustrating Fees and Slow Progress
I got this card to rebuild my credit, but the high fees and low limit made everyday use tough. Payments showed up late even when I paid on time. I didn't see much credit improvement. Highly frustrating experience.
B
premiere mastercard
I AM GLAD TO HAVE A CARD LIKE THIS ONE IT HAS BEEN A GREAT CHOICE I RATE THIS A FIVE bettie domer
T
premiere mastercard
great service
A
First Primer Card
This card is great gave me a chance when no one else would and helped bring my credit up a lot. Definitely a customer for life. and to the person named Shawna walker maybe you should be late on your payments then you wouldn't need to pay a fee. You shouldn't have a credit card if you cant even pay off the minimum payment.
S
First PREMIER Card
Dont get this card unless you have too! they charge for making a payment for the same day, plus their late fee is $50. I have a balance of $200, and I am going to close my card out after. If you want a great credit card get a Capital One! love their cards
C
First Premier Card mastercard
Excellent card. I wouldn't trade it for any other credit card. Also, they gave me a second chance when no one else would. I'm a customer for life. Thank you so much.
L
First Premier Credit Card
very nice
D
EXCELLENT CARD
excellent card glad i got it
