The First Premier Bank Credit Card is designed for people with poor credit. It’s issued by First Premier Bank and it’s an unsecured card, which means you don’t have to pay a deposit to open an account. Instead, this card has numerous fees and a high APR.
If you need a credit card and can’t afford to pay a security option, this card may be an option for you. Just keep in mind that your initial credit limit will be low and First Premier charges an annual fee to your card, so that lowers your initial available credit even more.
How to Apply For First Premier Bank Credit Card Online
You can apply for First Premier Bank Credit Card online. The process is quick and easy, and you get a decision about your application quickly.
To start, visit the website at www.platinumoffer.com.
- Click on the yellow button that says “Continue.”
- On the next page, enter your first name, your middle initial, and your last name on the First Premier Bank credit card application.
- Next, enter your address and the amount of time you’ve lived at your current residence. Choose the appropriate option for your residence type.
- Type in your home phone number or cell phone number, and choose whether you have a checking account, a checking account and a savings account, or neither.
- Enter your date of birth and then enter and confirm your Social Security number.
- Type in your email address and check the box agreeing to their terms and conditions.
- Click “Continue” and follow the prompts to finish your application.
Other Ways to Apply For First Premier Bank Credit Card
If you aren’t comfortable providing your information on their website, you can apply for a card by phone. Call them at 1-800-949-58-00 between 7 a.m. and 9 p.m. Central Standard Time from Monday through Friday and from 8 a.m. and 4:30 p.m. Central Standard Time Saturdays and Sundays.back to menu ↑
First Premier Bank Credit Card Customer Service
If you have questions or concerns about First Premier, you can contact their customer service representatives at 1-800-987-55-21 from 7 a.m. to 9 p.m. Central Standard Time Monday through Friday and from 8 a.m. to 4:30 p.m. on Saturdays.
You can also write their customer service representatives at:
Premier Bankcard, LLC
3820 N. Louise Ave.,
Sioux Falls, SD, 57107.
First Premier Bank Credit Card FAQs
What is the APR for a First Premier Bank Credit Card?
First Premier Banks Credit Cards have an APR of 36% for purchases. The APR for cash advances is also 36%.
Is there a way to avoid paying interest?
You can avoid paying interest if you pay your bill in full each billing cycle.
Is there an annual fee?
First Premier Bank Credit Card charges several fees. There is a one-time program fee of $95 and an annual fee of $75 to $125 for the first year, depending on your credit limit. After your first year, your annual fee will be $45 to $49. After the first year, you are also charged a monthly fee that ranges from $6.25 to $10.40 per month.
Is there a late fee?
There is a late fee of $38 if your payment is received after the due date.
Can I get a credit line increase?
You may be eligible for a higher credit line after you’ve had your account open for 13 months. If you’re approved, you will need to pay a fee of 25% of the amount of your increase.
The First Premier Bank Credit Card has received mixed reviews. Many consumers appreciate that they can use the card to rebuild their credit. Other consumers are frustrated by the high fees, low credit limits, and high APR. Overall, this is a good option if you don’t have access to any other credit options, but you should make sure you completely understand their fee structure.