Woman on laptop with young son

Don't Let Bad Credit Hold You Back

The First PREMIER® Bank Secured Credit Card can help you take control and start building your credit1

Apply Now
First PREMIER Bank Secured Credit Card

It’s Easy to Get Started:

Submit the application

and get an instant decision


If approved,

pay your refundable deposit2, which becomes your credit limit


Use your card responsibly,

and make on-time payments to build credit1


Keep moving forward,

and after one year you may be invited to apply for an unsecured credit card

Build a Bright Financial Future1

If you are new to credit or your credit has taken a big hit, the First PREMIER Bank Secured Credit Card can help you move forward. Even if you have been denied by other card issuers, First PREMIER wants to work with you. Unlike most prepaid cards, we’ll report your account activity and payment history to the major Consumer Reporting Agencies (credit bureaus). This means that making your payments on time and keeping your balance low will help improve your credit.

We’ll be with you every step of the way to help you get back on the road to building your financial future.

Young woman in city with bike

Features of the First PREMIER Bank Secured Credit Card

Mother and young son grocery shopping


  • Has a low 19.9% APR, $200 credit limit and $50 annual fee3
  • Once open, you may have the opportunity to expand your credit limit4
  • Opportunity to build your credit history1
  • Reports monthly to the major Consumer Reporting Agencies (credit bureaus)
  • Use responsibly1, and after one year you may be invited to apply for a First PREMIER® Bank Mastercard Credit Card

What is a Secured Card?

Receive PREMIER Benefits


Credit Reporting

Your performance is reported directly to the major Consumer Reporting Agencies (credit bureaus)


Free FICO® Credit Score

You’ll receive your free credit score on every monthly statement5


Cash Advance6

Use any Cirrus ATM to get cash advances from your card


Mobile Made Easy

Make payments and manage your credit card account with the new PREMIER Credit Card mobile app


Account Alerts

Receive email or text alerts for payment reminders, PIN changes, international purchases and more


Paperless Statements

Enroll in online statements for instant access online and on your mobile phone

Apply Now

Since 1989, we’ve been helping individuals and families improve their financial health.

Here’s what some have said:

"I have had so much success rebuilding my credit with First PREMIER on my side!"
Geraldine Q. - Nevada
5 Star Rating
"It's the perfect card to start to rebuild your credit. I really like the ease of the app to pay my bill and view account activity."
Julie R. - California
5 Star Rating
"Great service, always there to listen to the customer and to help go above and beyond!"
Liliana G. - Texas
5 Star Rating
"I love the ease of use, the app is amazing, the customer service is incredible. I am very happy I chose this card."
Michelle M. - Nevada
5 Star Rating


  1. Build credit by keeping your balance low and paying all your bills on time every month.
  2. A refundable security deposit means you get your money back if you have a zero balance and the account is closed.
  3. See the Terms and Conditions for details.
  4. Credit limit increase eligibility upon request, after you've been with us for 13 months and have kept your account in good standing (on-time payments and staying within the credit limit).
  5. FICO® scores are updated quarterly.
  6. Cash advances cannot exceed current available credit. See the Terms and Conditions for additional details.