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.

FAIR CREDIT
Capital One® QuicksilverOne® Cash Rewards Credit Card
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Earn unlimited 1.5% cash back on every purchase, every day

No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

 
Consumer Rating: 5 / 5
BAD CREDIT
Horizon Gold Credit Card
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Must have Active Debit Card or Credit Card to qualify.

$500 Credit Limit. No Credit Check.

 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Activation Fee
Fair / Good 23.9% $35 - $99* See Terms
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Activation Fee
Bad 25.15% See Terms See Terms
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
 
Consumer Rating: 4 / 5
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Credit History APR % Annual Fee Activation Fee
Average, Fair, Limited 24.99% (Variable) $0 See terms
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
 
Consumer Rating: 5 / 5
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Credit History APR % Annual Fee Activation Fee
Fair 15.65% - 24.15% Variable $0 - $99 See terms
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
 
Consumer Rating: 5 / 5
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $2,500 See Terms
  • Up to $2,500 deposited to your bank account
  • Get funds as soon as tomorrow
  • Fast, Safe, and Convenient - all online!
 
Consumer Rating: 5 / 5
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Credit History APR % Annual Fee Activation Fee
Fair 15.65% - 24.15% Variable $0 - $99 See terms
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
 
Consumer Rating: 5 / 5
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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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