Who Issues the Premier Credit Card

The Premier Credit Card is issued by First PREMIER Bank. While the card carries Premier branding, all financial operations including credit decisions, billing, payments, and customer service are handled by PREMIER Bankcard on the bank’s behalf.

First PREMIER Bank has issued Premier branded credit cards since 1986. The card is an unsecured general purpose card that can be used anywhere its network is accepted. Apply at premierbankcard.com.

First PREMIER Bank is an independent bank headquartered in Sioux Falls, South Dakota. It partners with PREMIER Bankcard, its affiliated servicer, to offer credit building credit cards to consumers with limited or damaged credit history.

Who Issues the Premier Credit Card

Over the years, First PREMIER Bank has built a reputation as one of the most active issuers of credit cards aimed at consumers rebuilding their financial standing, and the Premier Credit Card remains one of its longest running and most widely held consumer products, alongside other cards the bank has issued under different names, terms, and fee structures over the years.

First PREMIER Bank is the chartered bank that extends credit and holds the accounts opened under the Premier Credit Card program.

The bank was founded in 1986 by T. Denny Sanford and has grown into one of the largest issuers of credit cards for consumers with limited or damaged credit history in the United States.

First PREMIER Bank operates as a full service bank in Sioux Falls, South Dakota, but its credit card division, PREMIER Bankcard, is the part of the business most consumers encounter, since it handles marketing, applications, and account servicing for the Premier Credit Card.

What PREMIER Bankcard Does

PREMIER Bankcard also communicates directly with cardholders regarding credit limit reviews, since accounts in this category are periodically evaluated for potential increases based on payment history and account standing, which can help cardholders access more available credit over time without needing to apply for an entirely new card or credit product.

PREMIER Bankcard manages the day to day operations of the Premier Credit Card, including processing applications, issuing statements, running the online account portal, and answering customer service calls, while First PREMIER Bank remains the legal creditor behind every account.

PREMIER Bankcard has issued credit cards to consumers with subprime credit profiles for decades, building one of the largest portfolios of accounts in this category among independent bank card issuers nationwide.

Premier Credit Card Features

Applicants considering the Premier Credit Card should read the fee schedule closely, since cards in this category often charge an annual fee along with a program fee at account opening, and these charges can reduce the initial available credit limit before the card is ever used.

The Premier Credit Card is an unsecured card marketed toward applicants who may not qualify for cards from larger, more mainstream banks. It typically carries an annual fee and other account fees, and starting credit limits are usually modest, reflecting the higher risk profile of the applicant pool the card serves.

The card reports account activity to the major consumer credit bureaus, giving cardholders an opportunity to build a positive payment history over time, provided balances are paid on schedule each month.

How Premier Compares to Other Bank Issued Cards

Consumers researching Premier alongside retail store cards such as the TJ Maxx Credit Card or the Ulta Credit Card should keep in mind that Premier is a general purpose card usable anywhere its network is accepted, while store cards are typically limited to purchases at the issuing retailer and its affiliated brands.

Premier occupies similar territory to other fee bearing, credit building cards such as the Aspire Credit Card and the Imagine Credit Card, all of which are aimed at consumers working to establish or repair credit rather than earn travel rewards or cash back.

Unlike cards issued by large national banks such as Bank of America or Citibank, which typically require established credit for approval, Premier is structured specifically for applicants who may have been declined elsewhere, with pricing that reflects that higher risk segment of the credit card market overall.

Applying for the Premier Credit Card

Independent financial publications such as NerdWallet regularly review First PREMIER Bank and PREMIER Bankcard products, and reading an independent review alongside the official terms can give applicants a fuller picture before deciding to apply.

Applicants can review current terms and apply through the official PREMIER Bankcard website, which lists fees, credit limit ranges, and eligibility requirements directly from the issuer. Confirming details on the official site is the most reliable way to see current pricing before submitting an application.

Because approval and starting credit limits depend on individual credit history, applicants should treat any mailed offer or online estimate as a starting point rather than a final term, and review the cardholder agreement once an application has been submitted and approved.

Frequently Asked Questions

Is the Premier Credit Card issued by First PREMIER Bank directly?

Yes. First PREMIER Bank is the chartered bank behind every Premier account, even though PREMIER Bankcard handles marketing, applications, and the day to day servicing that most cardholders interact with directly.

Does PREMIER Bankcard offer other credit card programs?

Yes. PREMIER Bankcard has issued several credit card products over the years under different names and fee structures, all backed by First PREMIER Bank, so cardholders may see program details vary between older and newer Premier branded offers.

How can I talk to Premier Credit Card customer service?

Cardholders can reach Premier Credit Card customer service through the phone number listed on the back of their card or inside their online account, both operated by PREMIER Bankcard on behalf of First PREMIER Bank.

What is the Premier Credit Card payment address?

The correct mailing address for payments is printed on each monthly billing statement and inside the online account portal. Cardholders without a recent statement can confirm the current address through the official PREMIER Bankcard site before mailing a payment.

What are the requirements to get the Premier credit card?

Issuers generally review income, existing debt, and credit history when deciding on an application, and federal rules limit what information a card issuer can request. Full detail on these protections is available from the Consumer Financial Protection Bureau.

How do I make a Premier Credit Card payment?

Payments can be made online through the PREMIER Bankcard account portal, by mail using the address on the monthly statement, or by phone. Enrolling in autopay is the simplest way to avoid a missed due date and any related late payment fee.

How do I make a Premier Credit Card payment by phone?

Cardholders can make a payment by phone by calling the customer service number listed on the back of their card and following the automated payment prompts, or by speaking with a representative directly during normal business hours for additional assistance.