The Power of Simplicity
A simple way to start building1 credit
Building credit doesn’t have to be complicated. It’s about taking small, steady steps that can lead to big results. Take the first step with us and Pre-Qualify with no impact to your credit score.
Less stress. More opportunities.
Here’s the deal: Fewer accounts and lower balances could mean less juggling, less forgetting, and less stress. Which leaves room for more focus, more opportunities, and more success.
Fewer Accounts. Better Focus.
Juggling multiple accounts can lead to missed payments and stress. With just a few well-managed accounts, you can stay on top of your finances and build trust with credit bureaus.
Lower Balances. Better Scores.
By keeping all your balances low, you improve your credit utilization ratio—a key factor in your credit score.
Less Risk. More Success.
Fewer accounts mean fewer hard inquiries and less risk of over-extension, helping you protect your credit health while you build it.
A trusted partner since 1994
For over 30 years, we’ve been helping people take steps toward their financial goals. See why over 23 million people have chosen us for their first, or next, credit card.
76%
We approved an average of 76% of applications2 in 2024.
$110M
PREMIER provided over $110,000,000 in credit limit increases to qualified customers in 2024.
Credit Limit Increases
Credit for your hard work3
Earn opportunities for a bigger credit limit with consistent responsible account management.
Mobile App
Support when you need it
Easily stay on top of your account with help from our mobile app and customer care team.
Disclosures
- Build credit by keeping your balances low and paying all your bills on time every month.
- Based on Q1-Q4 2024, PREMIER Bankcard's average approval rate for completed applications is 76.9%. Individual results may vary.
- Eligible for a well-deserved credit limit increase after 12 months of consistent responsible account management.