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Compare First PREMIER® Bank Credit Card with Other Offers

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Best First PREMIER® Bank Credit Card Alternatives

First PREMIER® Bank

First PREMIER® Bank was founded in 1929 and is now one of the largest issuers of MasterCard® credit cards and debit cards in the United States. As a national market leader First PREMIER Bank focuses on consumers with less than perfect credit. Their cards are designed specifically for people with less than perfect credit and might work to your benefit too.

View the following First PREMIER credit card alternatives that may be able to help you improve your credit history if you make on-time payments with all of your creditors and keep your account balances low relative to the credit limit.

Best First PREMIER Credit Card Alternatives

OUR CHOICE FOR FAIR CREDIT:

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You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature: Unlimited 1% cash back gas rewards

OUR CHOICE FOR LIMITED/NO CREDIT:

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Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature: Pay no annual fee
Other Alternatives to First PREMIER Credit Cards
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Credit One Bank® Credit Card - Online Monthly Credit Score Tracking Included
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You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Free online monthly credit score tracking included Summary of Offer Features:
  • Free online monthly credit score tracking included.
  • Automatic reviews for credit line increase opportunities.
  • Pre-Qualifying for our card is easy, fast and won´t affect your credit score.
  • Pick your payment due date to fit your schedule.
Card Features:
Intro APR
on Purch.
n/a*
Intro APR
on Bal. Tr.
n/a*
Regular APR17.90% - 23.90% (Variable)*
Annual Fee$35-$99*
Activation Fee$0
Our Expert Opinion
  • Automatic credit line increases.
  • Free monthly credit score tracking.
  • Allows to pick payment due date.

  • Has an annual fee.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
0% intro APR on purchases until April 2016; 22.9% variable APR after that Summary of Offer Features:
  • 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 a 20% Statement Credit on Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until April 2016.
  • 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.
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Card Features:
Intro APR
on Purch.
0% (until April 2016)
Intro APR
on Bal. Tr.
0% (until April 2016)
Regular APR22.9% (Variable)
Annual Fee$39
Activation FeeSee terms
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that.
  • Fraud coverage if your card is ever lost or stolen.

See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

Surge MasterCard® Credit Card
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Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Monthly reporting to the three major credit bureaus Summary of Offer Features:
  • 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.
Card Features:
Intro APR
on Purch.
n/a
Intro APR
on Bal. Tr.
n/a
Regular APR29.99% (V)
Annual Fee$125 for the first year. After that, $96 annually
Activation FeeSee terms
Our Expert Opinion
  • For all credit types.
  • Monthly reporting to credit bureaus.
  • High initial credit limit.

  • High interest rate.
  • High annual fee.
See card details
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Fingerhut Credit Account
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Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
No Annual Fee Summary of Offer Features:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 275,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC801. Exp. 8/3/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Card Features:
Intro APR
on Purch.
n/a
Intro APR
on Bal. Tr.
n/a
Regular APR24.90%
Annual Fee$0
Activation Fee$0
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Horizon Gold Credit Card
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Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Guaranteed $500 Unsecured Credit Limit Summary of Offer Features:
  • 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.
Card Features:
Intro APR
on Purch.
n/a
Intro APR
on Bal. Tr.
n/a
Regular APR0.00%
Annual FeeSee terms
Activation Fee$29.95
Our Expert Opinion
  • Reports to a major credit bureau.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Credit One Bank® - Earn More Credit Fast
Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Automatic reviews for credit line increase opportunities Summary of Offer Features:
  • Automatic reviews for credit line increase opportunities.
  • Keep an eye on your progress with free online monthly credit score tracking.
  • Get Pre-Qualified for a Platinum Visa credit card.
  • Earn 1% cash back on gas purchases and get more value with every gallon.
Card Features:
Intro APR
on Purch.
n/a*
Intro APR
on Bal. Tr.
n/a*
Regular APR17.90% - 23.90% (Variable)*
Annual Fee$35-$99*
Activation Fee$0
Our Expert Opinion
  • Earn 1% cash back on gas purchases.
  • Track your credit score for free.
  • Automatic credit line increases.

  • Has an annual fee.
See card details

* See Card Terms & Conditions for Details.

What makes First PREMIER Credit Card Different From Other Offers?

The First Premier MasterCard credit card targets people with really bad credit. You will be able to repair your credit but it will come at a price. First Premier bank is known for high fees and high interest rates. As you will see, their cards are loaded with fees, not with perks.

Everything starts with the application process. The bank will charge you a $99 processing fee prior to opening the account. Then comes annual fee which is $75 for the first year and $45 thereafter. But please don't think your First Premier card will cost you less because there will be added a monthly servicing fee on the second year of your membership. This fee will be charged monthly and will total to $75 a year.

Now let's look at the interest rate. The APR is 36.0% on purchases and cash advances. That's not a mistake and not a typo. The interest rate is indeed that shocking high, one of the highest interest rates among instant approval credit cards. So, if you have this card, you won't want to carry a balance.

This is just the minimum cost of the card. This does not include any of the other fees you can be charged. It is always recommended to sit down, make some calculations and consider some alternative credit cards. If you really feel like you have no alternatives, it would be wise to use this card responsibly to get good payment history on your credit report.

Our Experts about Bad Credit Cards

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