First PREMIER® Bank

First PREMIER® Bank, existing since 1929, has a broad customer base and good reputation across the US. This bank is one of the leading credit card issuers in the US, offering credit cards for those who have less than perfect credit. First PREMIER® Bank credit cards are a smart choice for people with less than perfect credit.
First PREMIER® credit cards may be able to help build, rebuild or re-establish your credit history if you make on-time payments with all of your creditors and keep account balances low relative to the credit limit.

BEST for FAIR CREDIT
Surge Mastercard®
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All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

Consumer Rating: 4 / 5
BEST for BAD CREDIT
Horizon Gold Credit Card
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$500 Credit Limit. No Credit Check.

No Employment Check.

Must have Active Debit Card or Credit Card to qualify.

Consumer Rating: 4 / 5
Credit One Bank® Platinum Visa®
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Credit History APR % Annual Fee Application Processing Fee
Fair 16.99% - 24.99% Variable $0 - $99 See terms
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Consumer Rating: 5 / 5
First Access Visa
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Credit History APR % Annual Fee Application Processing Fee
Fair/Bad See Terms* See Terms* See Terms*
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Consumer Rating: 4 / 5
Total Visa Card
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Credit History APR % Annual Fee Application Processing Fee
Bad/Fair See Terms* See Terms* See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
Milestone® MasterCard® with Free Choice of Card Image
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Credit History APR % Annual Fee Application Processing Fee
Fair / Good 23.9% $35 - $99* See Terms
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Consumer Rating: 4 / 5
Total Visa Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History APR % Annual Fee Application Processing Fee
Bad/Fair See Terms* See Terms* See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
WebBank/Fingerhut Credit Account
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Credit History APR % Annual Fee Application Processing Fee
Bad See Terms $0 See Terms
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Consumer Rating: 4 / 5
Get Your CARD MATCH
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  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Looking for an alternative to First PREMIER® Bank Credit Card?

If you made financial mistakes in the past which crushed your credit score down, you still can rebuild your credit with the First PREMIER® Bank Credit Card. These credit cards were created for people with no or bad credit history and they are aimed to help you develop better credit habits.

The First Premier credit cards are instant response credit cards. First Premier Bank promises to give a response in 60 seconds after application submit. Also, bank states that your credit history will be reported to the major consumer reporting agencies. This means you are given a good chance to improve your credit.

However, you will need to put a lot of effort if you want to improve your credit. First of all, the First Premier Mastercard has a steep APR on purchases and cash advances – 36.0% percent. This is one of the highest interest rates among instant approval credit cards. So, you will need to pay off your balance every month if you want to avoid paying interest.

Other things you may not like in the First Premier Bank credit cards are fees. There is a processing fee without paying which you won’t be issued a credit card. Annual fee is pretty high for the first year but it will be lowered after that. However, you may not notice this because bank will start charging you a monthly servicing fee on the second year of credit card use.

If you are sure you won’t miss due payments and will be able to deal with all card fees, the First Premier Bank Mastercard credit card can be an option for you. But if you are one of those who tend to carry a balance from month to month, you may want to apply for an alternative credit card with lower APR.
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