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Card Comparison

Pick the right card for where you are in your journey.

PREMIER Bankcard® Mastercard®
PREMIER Bankcard Secured Credit Card
PREMIER Bankcard®
Secured Credit Card
Checking account required

Yes

No

Best for

Credit builders1

People with no credit or are new to credit

Credit Score2

500+

Under 500

Credit limit

$200 - $700

based on creditworthiness

$200 - $5,000

Once open, you will have the opportunity to build your credit limit up to $5,000 by adding funds to your Security Deposit.
depending on security deposit3
Eligible for credit limit increase after4

12

months

12

months
APR

36%

19.9%

Annual fee

$50 - $125

based on creditworthiness

$50

The Annual Fee will reduce your initial available credit when you first open your account to $150.
Monthly fee

$0 - $10.40

based on creditworthiness

$0

Account opening requirements

$55 - $95

The Program Fee is assessed to offset the risk associated with the credit card account.
Program Fee

$200

refundable security deposit3
Transaction fees
Either $8.00 or 5% of the amount of each Cash Advance5, whichever is greater.
For Foreign Currency, 3% of each transaction amount in U.S. dollars.
Terms and Conditions
View Credit Card Terms
View Secured Credit Card Terms
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Frequently Asked Questions

Managing a credit card is one way for you to build or rebuild your credit and improve your credit score. To help build good credit, use credit cards regularly and make all your payments on time. You’ll also want to keep an eye on what’s called credit utilization. Credit utilization is the percentage of your total credit you're using. In general, you should aim to keep your utilization percentage low (under 30%) by using a small portion of your card's credit limit.
 
Secured credit cards are often a great place to start. A refundable security deposit3 is required to open your account. The PREMIER Bankcard Secured Credit Card can give you the opportunity to start your journey to building or rebuilding your credit right now vs having to wait until you’re eligible for the unsecured.
The program fee is a one-time payment to offset risk associated with your credit account. If you are approved, paying the full program fee opens your credit account and gives you access to your available funds as soon as your card arrives.
 
The annual fee is charged to your credit account yearly once the credit account is opened, and in about the same billing cycle of each following year. For example, if you’re assigned a credit limit of $300, you will see an annual fee on your statement of $75 the first year, and $49 for each following year.
 
PREMIER Bankcard believes in being transparent with you about our fees before you apply. Be aware that some companies may not be as transparent up front about their fees.
Yes, we do. We want to continue providing the opportunity for you to keep building your credit. Credit limit increases are available after 12 months of responsible use of your card.
Yes. We do charge a one-time Program Fee which needs to be paid to open the account. The Program Fee is assessed to offset the risk associated with the credit card account.
 
You can pay the Program Fee in full or with partial payments using a checking account, debit card, or credit card.
 
The Program Fee must be paid in full within 85 days from the date of approval to avoid application withdrawal.

We offer tools to keep you on track as you work to reach your goals.

Star
Monthly credit reporting

We report monthly to the Consumer Reporting Agencies so you get credit for managing your account.

Check
Keep track of your FICO® Credit Score

Monitor your score on your monthly statements6.

Money
Cash Advances5 when you need them

Use any Cirrus ATM for quick and easy access to cash.

Card
Mobile made easy

Make payments and manage your account from anywhere with the new PREMIER Credit Card app.

What our customers are saying

Source: PREMIER Bankcard Customer Surveys

Online Application

“PREMIER Bankcard has been great, from filling out the application to the outstanding services.”

Cevester W.

Alabama

Disclosures
  1. Build credit by keeping your balance low and paying all your bills on time every month.
  2. Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard product.
  3. A refundable security deposit means you get your money back if you have a zero balance and the account is closed.
  4. Credit limit increase eligibility upon request, after you've been with us for 12 months and have kept your account in good standing (on-time payments and staying within the credit limit).
  5. Cash advances cannot exceed current available credit. See the Terms and Conditions for additional details.
  6. FICO® scores are updated quarterly.

© 2023 First PREMIER Bank and PREMIER Bankcard. All rights reserved. Member FDIC.

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