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You want to build1 credit, we’re here to help.

You’re just a short application away. If approved, establish a $200 credit limit by making a $200 refundable2 security deposit.

Apply Now
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What’s a PREMIER Bankcard® Secured Credit Card?

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A credit card, not a prepaid card

We report your credit history to all the major credit bureaus, unlike most debit or prepaid cards.

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If approved, fund the refundable security deposit

Your credit line will equal your deposit amount, starting at $200.00.

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Can help you build credit responsibly

To help build good credit, use credit cards regularly and make all your payments on time.

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You're able to get your deposit back

Your deposit will be refunded if you have a zero balance and the account is closed.

Real people, real results

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Cevester W.

“PREMIER Bankcard has been great, from filling out the application to the outstanding services.”

Cevester W.

Source: PREMIER Bankcard Customer Survey

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Source: PREMIER Bankcard Customer Survey

Tina

“I would recommend PREMIER Bankcard highly for those who want to rebuild their credit and make a fresh start.”

Tina B.

Source: PREMIER Bankcard Customer Survey

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Source: PREMIER Bankcard Customer Survey

Tracey

“The customer service is wonderful. PREMIER Bankcard has a great reputation and has lived up to their word. This is one credit card I will continue to use.”

Tracey W.

Source: PREMIER Bankcard Customer Survey

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Source: PREMIER Bankcard Customer Survey

Frequently Asked Questions
What is a secured credit card?
The PREMIER Bankcard Secured Credit Card is secured which means it requires a refundable2 security deposit to open the account. Once you’ve been approved, you can use the card to make in-person or online purchases anywhere Mastercard is accepted—just like a traditional credit card. A secured credit card can help you establish, build, or rebuild your credit, because it allows you the opportunity to show the consumer reporting agencies that you can use credit responsibly.
What is the credit limit for my PREMIER Bankcard Secured Card?
Your credit limit starts at $200, and you will have the opportunity after the account is opened to build your credit limit up to $5,000 by adding funds to your security deposit. Your refundable2 security deposit then acts as your credit limit, putting you in control. You may have the opportunity to deposit additional funds to the security deposit after the account is opened to increase your amount of available credit and decrease your credit utilization (the percentage of available credit that you owe at any given time).
How can a credit card help me build or rebuild credit?
Managing a credit card is one way for you to build or rebuild your credit and improve your credit score. To help build good credit, use credit cards regularly and make all your payments on time. You’ll also want to keep an eye on what’s called credit utilization. Credit utilization is the percentage of your total credit you're using. In general, you should aim to keep your utilization percentage low (under 30%) by using a small portion of your card's credit limit. Secured credit cards are often a great place to start. A refundable2 security deposit is required to open your account. The PREMIER Bankcard Secured Credit Card can give you the opportunity to start your journey to building or rebuilding your credit right now vs having to wait until you’re eligible for the unsecured.
Disclosures
  1. Build credit by keeping your balances low and paying all your bills on time every month.
  2. A refundable security deposit means you get your money back if you have a zero balance and the account is closed.
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