PREMIER Credit Card

• Free

Last verified 5 Sep 2026

4.8 595415 ratings · App Store

1. 5/5Beat credit company to build credit and receive increases

   Always giving me ways to increase my score not looking at past issues with credit score being decreased due to fraud on my bank account. They always look at our personal relationship and do not judge me by a score I value and appreciate I’m looked at by my history with them as a whole and by our personal payment history and payments and not by a number that has no bearing to me paying on time and I. Full almost every month I be been with 1st premier over a year and have been very satisfied with my results and the fact they offer the increases not make me have to apply after perfect payments and I wanna say thank u for offering me a way to fix my past credit problems by offering me a chance without judging me I rate their customer service and the ability to change ur pin on ur own phone without waiting in the mail for a computer generated number is also a plus a lot of great service products and easy navigating on all aspects of the credit services. And the app thanks again Christina lovria and because of this everyone in my family chooses and loves 1st premier credit #1 cs service no robots

   ChrystaHart · 5 Sep 2026

2. 5/5Checking account payment and available credit takes too long after it clears account

   First premier is a Credit building card. Only the app does not have a feature to pay with your debit card so that you have an available balance immediately real time on your card. It only allows you to pay with a checking account which the funds will be debited from your account the next day, but will not be available to you for 21 days, we are not in the 1990s anymore. This is the 21st century and first Premier it’s so far behind that it’s actually frustrating they have my money will not make it available to me until 21 days after it’s been debited from my account so they basically hold your money from your payment for at least 21 days before it’s made available to you for use by the time your last payment is made available. Another payment is coming up due first premier is a good rebuilding card but I feel that first premier since it been around for like 20 something years, they can get their act together and attached all the updated features that other credit card companies have that they don’t have let’s get it together first premier

   Matt G Texas · 5 Sep 2026

3. 5/5First premiere Bank

   I got this card about 5 years ago. I actually got two. They started with $300 credit limit. I worked up to $700 on one and $1000 on the other. At the time I really needed to build credit and the $79 yearly fee was worth it. I was able to get my credit up to a higher score than I have had in years. Of course, I hadn’t tried to get credit since my divorce because I didn’t think I could ever have credit again after what I was put through. I used these cards for small amounts or emergency cash advances and paid them off quickly. I have paid the $1000 card off and closed it now. I still have the $700 card. It has maybe a $70 balance. I’m trying to decide whether to keep it or pay it off and close it before the $79 is due again. I recommend anyone who has low credit and needs to build it quickly to buy a car or anything that most people have to buy with payments. It’s worth it because they report quickly and raise credit limits without credit checks. These cards helped me to get some no fee cards with lower interest and higher credit limits. I’m able to buy things I need now. I hahvve paid off several things I needed and I could never have done any ge

   Jerryzgurl · 5 Sep 2026

4. 5/5I enjoy this card

   So I’ve had no problems using this card and so far so good. My credit took several hits during a very contentious divorce. I’ve had to slowly improve my credit and found myself using cards with high interest rates. I utilize this card for small extras I would normally pay with my bank card and pay the statement balance each month. This way I’m not paying the interest. Paying the card is easy… the app is pretty good and I’ve had no problems using the card anyway I go. Gas stations, checkouts for groceries, even paying for an uber for the night, and even holding a weekend reservation. If you’re thinking about getting this card I’d just say… you probably don’t have great credit. Lots of use don’t have good credit and this card, others like it, have made an actual difference with my credit score. The card is still under a year old and my credit time on my credit report is under 3 years… but it’s making a difference. Use the card on gas purchases only or paying a couple bills you’d normally use your bank card. And no matter what keep the credit on all of your cards under 30%. It’s good to owe some money… when you get over 30% it begins to adversely affect your score. Years ago.. I started a CashApp account. Say I spent $200 on my credit cards.. I had opened a savings and a checking with CashApp. And each time I’d use a card - say I spent $57 somewhere, I would then immediately take $60 from my bank card and transfer it to my checking in CashApp, I would then transfer the $60 to the savings. At the end of the money I ALWAYS had the money to pay the Statement balances and avoid the high interest fees. Plus the cards recognized I was making payments monthly and quickly came (after a year) the increased credit lines. Go for it this card is good. Good luck.

   justin 0111 · 5 Sep 2026

5. 1/5Worst credit card in the world and terrible customer service

   They don’t provide different options for you to pay your bill you can’t pay by phone, but it’s a automated telephone service and it doesn’t provide the right options. A real human being barely answers the phone by getting a human to debit your debit card is the only way to take a payment directly other than that, the only option of payment to pay your bill is through a bank account, which takes five days on top of that through the app is the only way you can see your information and it doesn’t provide the right information they have an update their absence it says you have a credit line, but it says you don’t have a usage, but it’s always constantly asking for a payment. This credit card feels more like a scam than Help. I would never recommend anyone to use Premier banking ever. On top of that after having the car for about three weeks due to me having trouble making the payment because there’s no way to make the payment through the app or by phone when I did finally did get to make a payment a week later, they shut my account without calling me or notifying me which also hurt my credit score this company this card the processes the payment methods is more of a headache and a nuisance than any help building your credit you’ve been worn. Do not get this card.

   Remove DELETE AND BLOCK · 5 Sep 2026

Privacy

Accessibility

No accessibility labels collected yet.