First PREMIER Bank
First PREMIER® Bank Mastercard®
⚠Poor value — we do not recommend this card. It is listed as a cautionary example. The fees are high relative to what you get, and a no-fee secured card builds credit far more cheaply. See the review below for a better alternative.
Cash back only
Annual fee
$75 first year, then $45/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Poor or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
About 36% APR and no rewards
Features & benefits
One-time program fee of about $95 just to open the account
Annual fee of $75 the first year, then $45
Monthly servicing fee (about $8 to $10) starts in year two, roughly $100+/year
Credit limits often start around $200 to $300
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the First PREMIER® Bank Mastercard® lands.
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