Credit Cards

PREMIER Bankcard® Credit Card review: is it legit and worth it?

Are you trying to get a credit card with a damaged credit score? Don't worry. The PREMIER Bankcard® Credit Card was made for you. This review will show you its benefits.


PREMIER Bankcard® Credit Card: the credit card for a not-so-good credit score

Is the PREMIER Bankcard® Credit Card legit? Source: The Mad Capitalist.

If you need a credit card but don’t have a good credit score, take a look at the PREMIER Bankcard® Credit Card. It offers credit limits that range from $200 up to $700, with no security deposit.

If you ever tried to get a credit card with a not-so-perfect credit score, you know it can be a challenging mission. Some issuers demand a good credit score and a minimum income that many people don’t have. But is it worth it to apply for this product?


Credit Card

PREMIER Bankcard® Card

MasterCard build credit

Rebuild your credit score with a First Premier credit card.

You will remain in the same website

This article will show you how much it costs to have this card, and if it offers any valuable benefit. So, if you’re wondering whether you should apply for it or not, read this review to help clarify your mind. 

So, how do you get this card?

  • Credit Score: Very poor/Fair
  • Annual Fee: $45 – $125 + monthly fees
  • Regular APR: 19.9% – 36% APR
  • Welcome bonus: N/A
  • Rewards: N/A

PREMIER Bankcard® Credit Card: is it legit?

Many credit cards claim to give people with low scores the opportunity to rebuild it with an unsecured credit line. But is the PREMIER Bankcard® Credit Card a legit choice?

Unfortunately, this card can not be called a good option. You will have to pay so many fees that you’ll get yourself wondering if you should have opted for a secured credit card. The answer is probably yes. The security deposit is refundable, while the tens or hundreds of dollars you will pay in fees are not. And if you carry a balance, you will regret paying a 36% APR.

Some people may think it is worth a shot. But be careful and do the math. 

PREMIER Bankcard® Credit Card: should you get one?

frustrated woman with bills
If you have a bad credit score, it can be challenging to get a credit card. Source: Freepik.

Applying for a new credit card is a very personal decision, and no one but yourself has the answer for it. It is important to be very well informed about your options ta make a conscious decision. Read the pros and cons of this card to see if it’s worth it.


  • One can get approved even with a bad credit score.
  • Premier does not require a security deposit, and you can get a credit limit from $200 to $700, depending on your creditworthiness.
  • You can use this card to build your credit score.


  • High APR, even higher than many loans, and definitely higher than every other credit card.
  • It charges a lot of fees. You will have to pay an annual fee, a monthly fee, and a program fee. Depending on the offer you got, you’ll pay hundreds of dollars in fees.
  • The card has no rewards program and no sign-up bonus. You will pay a lot and earn nothing.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

This card is designed for people with bad credit looking for a chance to access a credit card. You can apply with any credit score, or even with no credit score at all. But remember that you can also apply for a secured credit card with any credit score too. 

PREMIER Bankcard® Credit Card application: how to do it?

If even with all these downsides you still want to apply for a PREMIER Bankcard® Credit Card, you can do it online. The following article will show you how to do it.


Credit Card

PREMIER Bankcard® Card

MasterCard build credit

Rebuild your credit score with a First Premier credit card.

You will remain in the same website

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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