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How to Activate Your First Premier Bank Credit Card?
From its name, this is a product of the First Premier Bank, one of the biggest banks in the US. If you are always in need of cash to pay for your daily activities, this is the card for you. It is one of the few cards that provides low APR fees, hot deals, and cash back rewards.
First Premier Bank Credit Card Login
If you don’t have an online account on first premier cc login, you should think of enrolling. On the homepage, there is an “Enroll” tab at the very top. Click on it and enter your social security number and account number.
Enter the passcode, re-enter your chosen password, and choose between a public or private computer. After clicking “Continue” you should be able to get access to your account.
The login process is very easy. On the homepage, you will enter your username and password. Click “Sign In”. It is possible that you have forgotten your password or username. You can retrieve these two by clicking on “Forgot Username/Password”.
Activate First Premier Card Online
To register and activate the card online, you need to go through the following steps:
1. Visit the mypremiercreditcard.com website and log into the account you have just created above. You then start the process of registering and activating the card.
2. You will need to enter information such as your social security number and credit card account number. Look for the “Continue” tab and click on it.
3. That should take you to a new page where you will be required to create another Nickname and Password. Part of the information you will be required to enter includes a routing number, home address and so on.
With these simple steps, you will have your card registered and activated in no time. What remains is for you to start using your card to make payments. You can use your online account to check the account balance, pay bills, and create online statements.
Related:Things To Know Before Getting a Credit Card With Bad Credit.
Activate First Premier Card by Phone
It is also possible for you to activate the card by calling the customer service desk on 1-800-987-5521. Since you will be asked to provide certain details, ensure you have the card in your hands while making the call.
Automated System is available 24/7:
- Make a payment (option 2)
- Check balance & available credit (option 1, enter account information)
- Request a PIN (option 1, enter account information, option 4)
- Report a lost or stolen card (option 6)
First Premier Bank Card App Benefits
Instead of going through tedious activation processes, why don’t you install the First Premier Bank Appon your phone? It is an easy and convenient way of registering and activating your card. Here are some of the benefits of the app:
- Real-time alerts through phone notifications.
- Ability to change your PIN.
- Ability to transact internationally.
- Easy and convenient way to check your balance.
- Easy to view all your recent transactions.
- Conveniently set up purchase limits.
Depending on the type of phone you have, the mobile app is available on the Google Play Store and iTunes.
If you have trouble activating your card, you can call First Premier Bank on 1-800-987-5521. The bank will be able to help you.
First Premier Bank Credit Card review
First Premier Bank Credit Card overview
The First Premier Bank Credit Card is designed for consumers with low credit scores who may not be approved for most other unsecured credit cards. You shouldn’t plan to use this card long term. Instead, this is a card to use for a short time to build your credit before moving on to a more traditional credit card that offers rewards, lower fees, a higher credit limit and lower interest rates. Card rating*: ⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
This page includes information about the Discover it Secured that is not currently available on The Points Guy and may be out of date.
If you have limited credit or are working to repair your credit, you may not have many appealing options when it comes to credit cards. Most rewards credit cards will want to see a higher credit score and stronger credit history before extending credit. So, if you have bad or poor credit, you may need to temporarily rely on a secured credit card or an unsecured credit card with high fees while you work to improve your credit score.
The First Premier Bank Credit Card is an unsecured credit card designed for consumers with low credit scores who otherwise may be turned down for a credit card. So, if you have good or excellent credit, or can be approved for a no-annual-fee credit card from other issuers, this card isn’t for you. But, if you have less-than-perfect credit and are struggling to get a credit card, you may be interested in the First Premier Bank Credit Card.
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Who is this card for?
The First Premier Bank Credit Card is for consumers who are working to build or repair their credit and can’t be approved for most traditional credit cards. Due to the card’s high fees and lack of rewards, you will only want to get this card if you can’t be approved for a credit card with lower fees and aren’t willing to use a secured credit card.
If you opt to use the First Premier Bank Credit Card, you hopefully first premier cc login need to keep this card for more than 18 to 24 months. This is because if you use the card responsibly during this time, you should be able to improve your credit enough to be approved for other cards.
This card isn’t available to residents of New York and Wisconsin. Additionally, this card isn’t available to active-duty military personnel and their dependents who are covered borrowers under the Military Lending Act.
Related reading: Secured vs. unsecured credit cards: What you should know
How to use this card
The First Premier Bank Credit Card is unsecured, so you’ll be assigned a credit limit by the issuer if you’re approved. This credit limit will be $300, $400, $500, $600, $700 or $1,000, depending on your creditworthiness. However, your annual fee will be deducted from this credit limit, so your initial available credit will be your credit limit minus your annual fee.
Your primary goal while using this card should be to improve your credit score so you can get approved for a credit card with rewards, lower fees and a higher credit line. Many different components go into calculating your credit score, but FICO — one of the primary formulas used to calculated credit scores — states that 35% of your score is based on your payment history and 30% of your score is based on your credit utilization ratio.
If you get behind in making payments, this will harm your credit score. But, if you pay on time, this can improve first premier cc login credit score. You’ll want to pay at least the minimum amount due each month by the due date to boost your payment history. It’s better to pay the statement balance by the due date each month, as this will allow you to avoid interest charges as well as keep your credit utilization low.
Related reading: Does it hurt to pay off your credit card balance before the billing cycle ends?
Your debt-to-credit ratio is the total of your debts divided by the total amount of credit that you’ve been extended across all accounts. As a rule of thumb, it’s best to keep your debt-to-credit ratio below 20%. If you are using the First Premier Bank Credit Card, this will mean keeping your current balance below $60 if your credit limit is $300, and keeping your balance below $200 if your credit limit is $1,000. To do so, you may want to pay down your card balance multiple times throughout the month instead of only when your bill is due.
Related reading: Credit utilization ratio: What is it and how it affects your credit score
Fees and disadvantages with this card
The main reason I rated this card so poorly is the many fees that it charges and how confusing they can be, even to someone accustomed to reading credit card terms and conditions. Let’s go through all the fees and disadvantages so you can make an informed decision.
Annual fee, monthly fees and program fee
As mentioned earlier, your credit limit with the First Premier Bank Credit Card will be $300, $400, $500, $600, $700 or $1,000 depending on your creditworthiness. The card’s annual fee, monthly fees and program fee vary based on your credit limit.
|Credit limit||Program fee (one-time fee)||Annual fee||Monthly fee|
|$300||$95||$75 the first year, then $45 annually||None the first year, then $6.25 per month|
|$400||$95||$100 the first year, then $45||None the first year, then $6.25 per month|
|$500||$95||$125 the first year, then $49||None the first year, then $10.40 per month|
|$600||$75||$79 the first year, then $49||$5.85 per month the first year, then $8.25 per month|
|$700||$55||$79 the first year, then $49||$8.00 per month the first year, then $10.40 per month|
|$1,000||$25||$79 the first year, then $49||$8.00 per month the first year, then $10.40 per month|
The program fee must be paid in full before the credit account is opened. If you are approved but don’t pay the program fee in full within 85 days from the date the application was approved, your application will be withdrawn.
The annual fee will be charged once your credit account is opened, and then in about the same billing cycle of each following year. The monthly fee will be billed until your credit account is closed and the balance is $20 or less.
No benefits — besides the benefit of having access to a credit card — are provided for these fees. Instead, First Premier says the program fee is “to offset the risk associated with the credit account.”
Related reading: The first premier cc login no-annual-fee credit cards
Interest rates and interest charges
If you pay your statement balance in full each month and don’t use cash advances, you should be able to avoid interest charges. But it’s a good idea to at least know what the interest rates and interest charges are on your card.
The First Premier Bank Credit Card has one legion m stock the highest annual percentage rates (APR) for purchases as well as cash advances that I’ve seen, at 36%. Luckily, your due date is at least 27 days after the close of each billing statement, and you won’t be charged interest on purchases as long as you pay your entire balance by the due date each month.
You’ll be charged interest on cash advances starting on the transaction date, though. So, if you use a cash advance (which you should generally avoid), you should pay off your entire balance as soon as possible after doing so.
Related reading: The top no-annual-fee credit cards with a 0% intro APR
There’s an assortment of other fees charged by the card, such as the following:
- Cash advance transaction fee: Either $8 or 5% of the amount of each cash advance, whichever is greater
- Foreign currency transaction fee: 3% of each transaction amount in U.S. dollars
- Additional card fee: $29 per year per additional card
- Late payment penalty fee: Up to $39
- If you do not pay the minimum payment plus the past due amount by the payment due date, you’ll be charged a late payment fee of $28
- If you do not pay the minimum payment plus the past due amount by the payment due date again in the next six billing cycles, you’ll be charged a late payment fee of $39
- The late payment fee will never exceed the minimum payment plus the past due amount shown on your statement
- Return item charge penalty fee: Up to $39
- If a payment you make is returned unpaid, you’ll be charged a return item charge of up to $28
- If another payment is returned in the next six billing cycles, you’ll be charged a return item charge of up to $39
- Credit limit increase fee: 25% of the amount of the credit limit increase
- This fee is assessed to your credit account each time your account is approved for a credit limit increase
- This fee is automatically assessed upon approval of a credit limit increase
- The fee will be refunded (and your credit limit increase reversed) if you reject the credit limit increase within 30 days after the date of the billing statement on which the fee is billed
- Copying fee: $3 per copy for any statement, sales draft or other documents you request
- Express delivery fee: $35 for express delivery due to lost, stolen or replacement cards
- Wire transfer fee: $5 per transaction
Related reading: Common credit card mistakes and how to avoid them
Other cards to consider
If you’re looking for a credit card to help improve your credit score, you may want to consider a secured credit card. Secured credit cards require that you put down a deposit equal to your credit line, but the fees on many secured cards are much lower than those on the First Premier Bank Credit Card. Some secured credit cards like the Discover it Secured and BankAmericard Secured credit card don’t charge an annual fee and may even move you to an unsecured credit line as your credit score improves. The Discover it Secured even provides cash-back rewards.
The information for the BankAmericard Secured credit card and Discover it Secured has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Even if you want to stick to unsecured credit cards, there may be better options than the First Premier Bank Credit Card. For example, the Indigo Platinum Mastercard is designed for consumers with bad to fair credit, but it has lower fees and you could pre-qualify without needing a hard credit pull. Credit One offers some credit cards that have modest fees and offer limited cash-back earning for consumers who are rebuilding their credit.
Related reading: How to earn points and miles with fair to poor credit
Frequently asked questions
Does First Premier increase credit?
First Premier cardholders may be eligible for a credit limit increase once their credit card account has been open for 13 months. But, each time your account is approved for a credit limit increase, you’ll need to pay a fee of 25% of the amount of the credit limit increase.
Related reading: How to increase your credit limit
What credit score do you need to get a First Premier credit card?
First Premier credit cards are designed for consumers with bad or poor credit, so there’s no minimum credit score required. However, not all applicants will be accepted.
Related reading: 7 ways to maximize your chances of being approved for a credit card
Can I withdraw money from my First Premier Bank credit card?
You can withdraw money from the First Premier Bank Credit Card as a cash advance. Once your account is open, your initial cash advance limit will be 10% of your credit limit. But, once your account has been open and active for at least 90 days, has two consecutive months of current payment history, is not delinquent and has had no return payments for the past 60 days, your cash advance limit may be increased to 50% of your credit limit.
If you take a cash advance, you’ll need to pay a cash advance transaction fee of $8 or 5% of the cash advance, whichever is greater. And, you’ll start accruing interest on cash advances immediately. So, it’s best to avoid taking cash advances.
Related reading: 7 ways to save on overseas ATM withdrawals
Should I enroll in First Premier’s credit protection program?
The First Premier Bank Credit Card offers optional credit protection, which may pay the minimum payment due on your billing statement if the primary cardholder enrolls and then experiences involuntarily unemployment, disability, unpaid family leave, first premier cc login or loss of life. The monthly cost of optional credit protection is $0.89 for each $100 of your outstanding ending monthly balance.
If you enroll in optional credit protection and then need to use this benefit, you’ll continue to accrue interest and other fees during the benefit period but you will not be able to use your account for any purpose. So, for most cardholders, it will be best to turn down the optional credit protection program and instead work on creating an emergency fund.
Related reading: Which budgeting technique is right for you?
Should I close my First Premier Bank credit card?
Generally, it’s best to keep credit card accounts open to increase your average account age. But, unless you can downgrade to a no-fee card with First Premier Bank — which doesn’t seem to be an option — it will likely be best to close your card account once you’ve been approved for a more traditional credit card with lower fees.
Related reading: How to find the best pre-qualified credit card offers
Is First Premier Bank legit?
First Premier Bank is located in South Dakota. Its sister organization, Premier Bankcard, issues the First Premier Bank Credit Card and is the 12th-largest issuer of Mastercard credit cards in the U.S. Both organizations are held by United National Corporation.
Related reading: The best national banks — and the perks of banking with one of them
The First Premier Bank Credit Card serves a particular subset of consumers who need an unsecured credit first premier cc login but have bad or poor credit. It’s unreasonable to expect this card to offer the same benefits, rates and fees as credit cards that require excellent credit. But, this card charges exceptionally high fees — including a monthly fee, annual fee and program fee — while offering a low credit limit of $300 to $1,000 that’s based on creditworthiness.
The First Premier Bank Credit Card can be ecb violation amnesty useful product if you don’t want to use a secured credit card and aren’t able to be approved for an unsecured credit card with lower fees. But I wouldn’t recommend applying until you’re debt-free and actively working to improve your credit. This way, you can focus on using the card responsibly before switching to a lower fee card with a higher credit limit once you see that your credit score has improved enough.
Featured photo by John Gribben/The Points Guy.
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Fidelity® Rewards Visa Signature® Card first premier cc login
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.
To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.
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1 Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back on gas purchases. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.
2 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders
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