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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

PREMIER Bankcard® Secured Credit Card

  • There’s no checking account required.
  • When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
  • After six months of responsible secured card use you may be eligible* to apply for an unsecured PREMIER Bankcard® Mastercard®.
  • *PREMIER Bankcard® Mastercard® available upon invitation after you’ve been with us for six months and have kept your account in good standing (on-time payments and staying within credit limit).
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.**
  • **If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
Intro Balance Transfer APRIntro Purchase APRRegular APRAnnual FeeCredit Needed
N/AN/ASee Provider WebsiteSee Provider WebsiteBad/Limited/No Credit

Offer Details

Acceptance Criteria
Credit Needed
Bad/Limited/No Credit
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
See Provider Website
Fees And Charges
Balance Transfer Fee
N/A
Annual Fee
See Provider Website
Rewards
Reward Type
N/A

26 Product Reviews

Pablo Gonzalez
Increase CLI on secure and unsecured card
3 months ago

This was my first card, I did a deposit of $800 and faithfully paid the full balance every month. Within 6 months I was invited to apply for an unsecured card @$300 with increases every 6 months to a year. And was given $200 increase on my secured card when I called to have an issue fixed the rep Kevin offered me a increase on my secured card , told me I also qualify for a increase on the unsecured card in one month. Most of the negative reviews are from individuals that don’t pay their bills.

Devin S
Must have!
3 months ago

"My score was 517 and after I applied for the card I was approved and funded the account. I have not even use the card one time yet and within one week it brought my score of 53 points to 570. It is consistently going up. Do yourself a favor if you have bad credit and get this card. I wish I would’ve done it sooner."

Kevin Brumley
Credit score
5 months ago

I have this card and use it for small things like gas. This card took me from a 582 to 721 so I have nothing bad to say about them!! This card isn't for the over spenders it teaches you how to be responsible with your money a little better 5 stars is a under statement I would give it a 10 out of 10 star rating

Carlos A
Thanks !!!!!!
6 months ago

"I have only $300 credit line when I have only 545 in my score and I used wisely and paid around in 6 months perfect and help me too reach 685 in my score I know in first you kneed too paid for the anual fee but nobody give me the opportunity too improves my score but this bank help me a lot Thanks Thank Thank Premier !!!!! "

Bryan jean
I had a premier card
7 months ago

I had a premier credit card ,but i over used it,as far as the xompany very good to work with,just pay your payments on time ,youll be fine

jeffrey Nelson
Second chance
9 months ago

I am grateful for this card becuase it teaches discipline when it comes to your credit life. simply pay your bal min before or on due date and watch it work.

Rafael V
no increase
10 months ago

have this card for a year now built up my credit from 530s to over 740s on all 3 and never received one increase with 100% payments on time. this card is a waste of time not worth the trouble

Claros
Lomejo
1 year ago

Si me gusta

No
Dont do it
1 year ago

"Just pay your bills on time for 6 months and then once you get into the high 580s go for the discover it card and cancel this one asap. This card not to be used heavily"

Amos Sr
Finally Approved!!
1 year ago

First Premier is a Great Credit card to have for me they gave me another chance at Credit Life and this time Thank God I want ruin it this time!!

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.