PREMIER Bankcard® Mastercard®

First PREMIER Bank · credit

Last updated Jun 12, 2026

Typically needs good credit (guideline, not a guarantee)

Annual fee: $49 Inferred by source
Realized value*: $0
Net / year*: −$49
Foreign tx fee: 3% Estimated by source
Purchase APR: 36% (fixed) Verified by source

Is the First PREMIER Bankcard worth keeping when the fee hits? →

Watch out

Fees eat much of the credit line. About $170 in fixed fees in year one against a typical $400 starting limit — roughly 43% of your available credit gone to fees before you spend a dollar. A no-annual-fee secured card builds credit without that drag.

Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.

Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.

Card shape

What this card delivers across six value dimensions (0–100, normalized).

Earn rates

Statement credits

Lounge access

No lounge access.

*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it

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Frequently asked

What is the annual fee for the PREMIER Bankcard® Mastercard®?

The PREMIER Bankcard® Mastercard® has a $49 annual fee.

Is the PREMIER Bankcard® Mastercard® worth the annual fee?

Using its non-spend-gated credits fully, the PREMIER Bankcard® Mastercard® returns about $0 in value against its $49 annual fee — a net of −$49 per year. It only makes sense if you value its perks beyond the listed credits.

Does the PREMIER Bankcard® Mastercard® have airport lounge access?

No — the PREMIER Bankcard® Mastercard® does not include airport lounge access.

Does the PREMIER Bankcard® Mastercard® have a foreign transaction fee?

Yes — the PREMIER Bankcard® Mastercard® charges a 3% foreign transaction fee.

What is the APR on the PREMIER Bankcard® Mastercard®?

The PREMIER Bankcard® Mastercard® has a purchase APR of 36% (fixed).