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Find a card that fits your needs

Looking to build1 credit? PREMIER Bankcard® can help you take the next step towards a brighter future. See which card best fits your current situation and apply now.

Explore our cards

PREMIER Credit Card
PREMIER Credit Card
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View Terms & Conditions
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Looking to build credit?
Choose our unsecured PREMIER Bankcard® Mastercard® to build your credit. Initial credit limit based on creditworthiness.

Initial Credit Limit2

up to $700

Program Fee3

$55 - $95

Annual Fee3

$50 - $125

Monthly Fee3

$0 - 10.40

APR

36%

Cashback

Best for

Building credit

PREMIER Secured Credit Card
lime green PREMIER Secured Credit Card
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Are you new to credit?
Choose the PREMIER Bankcard® Secured Credit Card, offering a lower APR. Establish a $200 credit limit by making a $200 refundable security deposit4.

Initial Credit Limit5

$200

Security Deposit5

$200

Annual fee

$50

Monthly fee

$0

APR

19.9%

Cashback

Best for

No Credit, New to Credit

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Still not sure where to start?

Find out which card you pre-qualify for without impacting your credit score.

Pre-Qualify
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Frequently Asked Questions

What is the difference between an Annual Fee and a Program Fee?

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.

How can a credit card help me build or rebuild credit?
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.
Does PREMIER Bankcard increase credit lines?
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.
What is a secured credit card?
The PREMIER Bankcard Secured Credit Card is secured which means it requires a refundable security deposit4 to open the account. Once you’ve been approved, you can use the card to make in-person or online purchases anywhere Mastercard is accepted—just like a traditional credit card. A secured credit card can help you establish, build, or rebuild your credit, because it allows you the opportunity to show the consumer reporting agencies that you can use credit responsibly.
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Disclosures
  1. Build credit by keeping your balances low and paying all your bills on time every month.
  2. Initial credit limit is based on credit worthiness.
  3. The Program Fee is assessed to offset the risk associated with the credit card account. The amount of the Program Fee, Annual Fee, and Monthly Fee vary based on the credit limit of the account. See Terms and Conditions for details.
  4. A refundable security deposit means you get your money back if you have a zero balance and the account is closed.
  5. Once a PREMIER Bankcard Secured Credit Card account is open, you will have the opportunity to build your credit limit up to $5000 by adding more funds to your security deposit.
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