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Keep going with PREMIER Bankcard®

You made the first move. Now what?

Managing your credit can feel stressful, but you’ve already tackled one of the hardest parts - getting started. If your application has been approved, the next step is to open your account by paying the Program Fee1  or providing funds for the Security Deposit2.

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Already approved?

Provide some details on the next page and then pay the Program Fee or fund your Security Deposit to open your account.

Open Account
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Program Fee

If you’re approved for the PREMIER Credit Card, all you need to do is pay the Program Fee to open your account.

After this one-time fee is paid, you can start using your card to pay for things you already buy like groceries, transportation, and everyday essentials.

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Pay Program Fee
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Security Deposit

A secured credit card is backed by a refundable security deposit. The initial security deposit for the PREMIER Secured Credit Card is $200. This means if your application is approved, provide $200 to establish your credit limit and open your account.

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Fund Security Deposit
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Start small

If approved, you’ll start with a lower credit limit so you can focus on setting a foundation for long-term success.

Remember, building credit is all about taking small, steady steps: pay your bills when they’re due, keep your debt in check, and don't rush to apply for new credit.

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Success by the numbers
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850K+

Over 850,000 credit limit increases were given to customers at PREMIER in 2024.

$110M

PREMIER provided over  $110M in credit limit increases  to qualified customers in 2024.

76%

We  approved an average of 76%  of applications3 in 2024.

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Ready for the next step?

If your application has been approved, pay the Program Fee or fund the Security Deposit to open your account so you can use your card for things you already buy like groceries, transportation, and everyday essentials.

Open Account
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Frequently Asked Questions

How can I use a credit card to build or rebuild my 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 refundable security deposit2 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.

Where can I use my PREMIER Bankcard credit card?
You can use your PREMIER Bankcard credit card anywhere Mastercard® is accepted. Which is virtually, anywhere.
Does PREMIER Bankcard increase credit lines?
Yes, we do! We want to continue providing the opportunity for you to keep building your credit. Credit limit increases are available after 12 months of responsible use of your card.
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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.
  3. Based on Q1 & Q4 2024, PREMIER Bankcard’s average approval rate for completed applications is 76.9%. Individual results may vary.
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