Find a card that fits your needs

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

PREMIER Credit Card

Have a credit score2 500 or higher?

Choose our unsecured PREMIER Bankcard® Mastercard® to build1 your credit.

Initial Credit Limit
Based on Credit Worthiness

Account Opening Requirement5
Program Fee

Annual Fee5

Monthly Fee5


Checking Account Required

Best For

Credit Score

PREMIER Secured Credit Card

Applying for your first credit card or have a credit score2 below 500?

Choose the PREMIER Bankcard® Secured Credit Card, offering a lower APR. Establish a $200 credit limit by making a $200 refundable security deposit3.

Initial Credit Limit4

Account Opening Requirement
Security Deposit3

Annual Fee

Monthly Fee


Checking Account Required

Best For

Credit Score

Frequently Asked Questions

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.

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.

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.

The PREMIER Bankcard Secured Credit Card is secured which means it requires a refundable security deposit3 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.

  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. 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.
  5. 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.