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First PREMIER Bank · credit
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Is the First PREMIER Bankcard worth keeping when the fee hits?
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Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
No lounge access.
Using First PREMIER Bankcard at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $8 or 5% of the amount of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 19.9% to 36.0% variable by card; no grace period Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The PREMIER Bankcard® Mastercard® has a $49 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.
No — the PREMIER Bankcard® Mastercard® does not include airport lounge access.
Yes — the PREMIER Bankcard® Mastercard® charges a 3% foreign transaction fee.
The PREMIER Bankcard® Mastercard® has a purchase APR of 36% (fixed).