If you have a poor credit history or are new to credit, you might find it difficult to find an unsecured card that accepts your application. Check out this PREMIER Bankcard® Mastercard® Credit Card review, about a card that can help you build or repair your credit history.

See below for the main features of the PREMIER Bankcard® Mastercard® Credit Card and keep reading to learn all about this product.

Issued by First PREMIER® Bank, this credit card can be a helpful tool on your journey to build or repair a damaged credit score so long as you use it responsibly.

That is because the PREMIER Bankcard® Mastercard® Credit Card reports all payments to all major Consumer Reporting Agencies.

First PREMIER® Bank requires all new customers to have a checking account to their name.

Applicants with a less-than-perfect score are welcome to complete a quick qualification process at the bank’s official website, which provides an request approval in just 60 seconds.

To open the account, new customers are required to pay a one-time program fee that ranges between $55 to $95, based on the risk associated with the account.

Its annual fee falls between $50 and $125 based on creditworthiness. The monthly fee is also based on creditworthiness, ranging from $0 to $10.40.

The initial credit line varies from $200 to $700. However, there is a possibility to increase those numbers after 12 months of card usage.

The PREMIER Bankcard® Mastercard® credit card regular APR is 36%, but, if you maintain positive payment management, you don’t need to worry about interest.

This credit card’s main benefit is that you don’t need a good/excellent credit score for approval. Besides, it can be a powerful ally to build or rebuild your credit history as long as you use it responsibly.

See below for its main perks and drawbacks.

The recommended FICO score is of at least 500, but credit scores alone does not guarantee an approval.

You must fill the qualification process with your personal and financial info to find out if this card is available to your financial profile.

If you’re interested in applying for this card after reading our PREMIER Bankcard® Mastercard® Credit Card review, follow the link below for the detailed process.