To apply for a First PREMIER Bank credit card through 60secondpremier.com, follow these steps:
Steps to Apply
- Visit the Website: Go to 60secondpremier.com (this may redirect to the official PREMIER Bankcard credit card site).
- Enter Your Invitation Code: If you received a pre-approved mail offer, find your confirmation number on the letter. Enter it in the designated field on the website.
- Provide Your Personal Information: Fill in your full name, address, date of birth, and Social Security number. Ensure all information is accurate to avoid delays.
- Review Terms & Conditions: Check the fees, interest rates, and credit limits associated with the card. Understand the annual fee and APR before proceeding.
- Submit Your Application: Click “Submit” and wait for approval. You may receive an instant decision, or the bank may take a few days to process your application.
Alternative Method (Without Invitation Code)
If you don’t have a mail offer, you can still apply by visiting PREMIER Bankcard and completing a standard application.
The First PREMIER Bank Credit Card is designed primarily for individuals who are looking to build or rebuild their credit. It is an unsecured credit card, meaning you don’t need to provide a security deposit to get approved. However, it comes with high fees and interest rates, so it’s important to understand the terms before applying
Key Features of the First PREMIER Bank Credit Card
✅ Credit Building Opportunity:
Reports to all three major credit bureaus (Experian, Equifax, and TransUnion), helping you build a positive credit history if used responsibly.
✅ Pre-Approved Offers:
If you received a mail offer, you are pre-approved, but final approval depends on verifying your information.
✅ Unsecured Card:
Unlike secured credit cards, this one does not require a deposit to open an account.
✅ Fast Application Process:
You can apply online at 60secondpremier.com in about a minute, with a chance for instant approval.
Fees & Costs to Consider
⚠ Annual & Monthly Fees:
The card typically has an annual fee (varies by credit limit) and sometimes a monthly servicing fee.
Example: A $300 credit limit might come with a $75 annual fee + $6.25 monthly fee after the first year.
⚠ High Interest Rates (APR):
APR (interest rate) can be high, making it one of the most expensive credit cards to carry a balance on.
⚠ Credit Limit Restrictions:
Your initial credit limit may be low (e.g., $300–$700), and fees might be deducted before you even use the card, reducing your available credit.
⚠ Other Fees:
Cash advance fees, late payment fees, and penalty APRs apply.
Who Should Consider This Card?
✔ Good for:
People with poor or no credit who want to build credit history.
Someone who plans to pay the balance in full every month to avoid high interest.
❌ Not Ideal for:
Those who want a low-fee or low-interest card.
Anyone who tends to carry a balance—the high APR can be costly.
How to Apply
- Visit 60secondpremier.com.
- Enter your pre-approval confirmation number (if applicable).
- Fill out the personal and financial details required.
- Review the terms & conditions carefully.
- Submit your application and wait for an approval decision.
Final Thoughts
This card can help improve your credit if used responsibly, but it comes with high fees and interest rates. If you’re considering alternatives, a secured credit card (which requires a deposit but has lower fees) might be a better option for credit building.