PremierCreditCard.com/applynow Mail Offer Invitation: Pre-Approved First PREMIER Credit Card
To apply for a PREMIER Bankcard® Mastercard® Credit Card with a mail offer, you must enter your unique reservation or offer code on the premiercreditcard.com/applynow secure website. Receiving a "pre-approved" invitation indicates a higher chance of qualifying, but final approval depends on your complete credit profile.
Many people who receive a PREMIER Bankcard® Mastercard® Credit Card mail offer don’t realize they may already qualify for better unsecured cards with fewer fees.
If you’ve received a First PREMIER® mail offer, it’s worth pausing before paying any fees. Many people qualify for lower-cost cards with better long-term value — like the Avant Cash Back Rewards Card.
Before you pay $55–$95 in processing fees for a First PREMIER Mastercard® Credit Card, check if you qualify for the Avant Cash Back Rewards Card — a $0 monthly fee alternative that may approve you in seconds.
- No monthly maintenance fees
- 1% cash back on purchases
- Pre-qualification available with no impact to your credit score
Takes less than 60 seconds. You can also compare this card vs. First PREMIER below.
Application process with an invitation code for PremierCreditCard.com/applynow
- Go to the application page: Visit premiercreditcard.com/applynow from your mail offer.
- Enter your offer details: To get started, provide one of the following:
- Confirmation Number from your pre-approved offer letter
- OR your Last Name, ZIP Code, and last 4 digits of your Social Security Number
- Complete the application form: Fill out the remaining personal and financial details, including:
- Full legal name
- Date of birth
- Physical U.S. address (P.O. boxes not accepted)
- Employment status
- Income information
- Receive a decision: Most applicants receive a decision within minutes.
- Pay the processing fee: If approved, you will be required to pay a one-time processing fee of $55–$95 before your account is opened.
- Activate your card: Once your card arrives, activate it online or by phone before use.
Important invitation details
- Expiration date: Check your mail offer for an expiration date. Expired offers may still allow you to apply through a general application page.
- Code validation: If your reservation code is not recognized or already used, you may be redirected to a standard application.
- Credit check: Preapproved applications may begin with a soft inquiry, but accepting a final offer can result in a hard inquiry.
What If You Don’t Want to Use Your Mail Offer Code?
If you prefer not to use your reservation code, you can still apply for a PREMIER Bankcard® Mastercard® Credit Card through a standard application.
Keep in mind:
- Your approval odds may be slightly different without the pre-selected offer
- The terms and fees are typically similar
- You won’t need to enter a confirmation number
This option may be useful if you no longer have your mail offer or want to see if you qualify independently.
This is a standard application and does not require a mail offer or reservation code.
Offer limitations
- Not a guarantee: Receiving a mail offer does not guarantee final approval.
- High fees: First PREMIER cards often include a processing fee, annual fee, and monthly maintenance fees that reduce your available credit.
Better alternatives for building credit
For those looking to build or rebuild credit, the high fees of the First PREMIER Mastercard® often make it a poor value. Many financial experts recommend considering secured cards or lower-cost unsecured cards as a more affordable alternative.
If you prefer an unsecured option without large upfront fees, you may also want to compare cards like the Avant Cash Back Rewards Card, which offers a simpler fee structure and cash back on purchases.
Looking for a lower-cost alternative? The Avant Cash Back Rewards Card offers a simpler fee structure with no monthly maintenance fees.
Approval is not guaranteed. Checking eligibility will not impact your credit score.
Tip: Many applicants who receive a First PREMIER® offer also qualify for lower-cost cards with no upfront fees — it’s worth checking first.
First PREMIER® vs. Avant Credit Card Comparison: Which One Is the Better Option?
If you're comparing credit-building cards, it's important to look beyond approval odds and focus on total costs, fees, and long-term value. Below is a side-by-side comparison of a PREMIER Bankcard® Mastercard® Credit Card and the Avant Cash Back Rewards Card to help you make a more informed decision.
To make a truly informed choice, let’s compare total costs, fees, and rewards between the PREMIER Bankcard® Mastercard® Credit Card and a lower-cost alternative.
| Feature | PREMIER Bankcard® Mastercard® Credit Card | Avant Cash Back Rewards Card |
|---|---|---|
| Intended Users | Poor or limited credit | Fair/average credit (FICO 550–700) |
| Credit Limit | $200–$700 (reduced by fees) | $300–$3000 |
| APR | 36% | 35.99% |
| Annual Fee | $50-$125 1st yr, $45-$49 after | $0–$75 |
| Monthly Fee | $0-$8 1st yr, $6.25-$10.40 after | $0 |
| Processing Fee | $55–$95 | $0 |
| Rewards | None | 1% cash back |
| Late Fee | Up to $39 | Up to $39 |
| Credit Reporting | Yes, all 3 bureaus | Yes, all 3 bureaus |
| Apply Online | ➤ Apply Now - PREMIER Bankcard® | ➤ See If You Qualify for Avant |
Don’t lock yourself into high fees. See if you qualify for the Avant Cash Back Rewards Card first — many applicants are approved with no monthly maintenance fees and instant decision.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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