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
Capital One® Platinum Credit Card
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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
BEST for BAD CREDIT
Fingerhut Credit Account
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No Annual Fee*.

No Over Limit Fee*.

Instant Response (Delays may occur depending on application data provided).

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
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
Capital One® QuicksilverOne® Cash Rewards Credit Card
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Credit History APR % Annual Fee Application Processing Fee
Average, Fair, Limited 24.99% (Variable) $39 See terms
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Consumer Rating: 5 / 5
Horizon Gold Credit Card
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Credit History APR % Annual Fee Application Processing Fee
Bad 0.00% See Terms See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Consumer Rating: 4 / 5
Prism Loans
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $10,000 $100
  • Repay over 24 months
  • Get Your Funds Fast
  • Competitive APR
  • Safe & Secure
Consumer Rating: 5 / 5
Surge Mastercard®
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Credit History APR % Annual Fee Application Processing Fee
Fair/Bad See Terms* See Terms* N/A
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Consumer Rating: 4 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • 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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