First PREMIER® Bank Credit Cards

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.

Credit One Bank® Credit Card with Gas Rewards
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Unlimited 1% cash back gas rewards.

Get Pre-Qualified without affecting your credit score.

Consumer Rating: 5 / 5
Horizon Gold Credit Card
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500 Credit Limit. No Credit Check.

Reports to a Major Credit Bureau.

Consumer Rating: 4 / 5

Other Alternatives to First PREMIER® Bank Credit Cards:

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APR Annual Fee Activation Fee Instant Response
24.90% $0 $0 Yes
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
24.99%* (Variable) $0 $0 Yes
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
0.0% $49 $29.99 Yes
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
17.90% -
23.90% (Variable)*
$35-$99 $0 Yes
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
Consumer Rating: 5 / 5
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Rebuilding Credit with First PREMIER® Bank

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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* See Card Terms & Conditions for Details.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
78 In Accordance with Terms and Conditions.

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