60SecondPremier.com Offer
60SecondPremier.com is a portal used by PREMIER Bankcard for credit card applications, particularly for pre-approved offers sent by mail. The domain is legitimate and links to First PREMIER Bank, the issuer of the card. For more information on "Invitation to Apply" offers, read our guide on Invitation Versus Prequalified Credit Card Offers.
However, the card offered through this portal is notorious for its extremely high fees and costly terms, leading many financial experts and past customers to warn against it.
How 60SecondPremier.com Works
- Receive an offer: You must first receive a pre-selected offer for a PREMIER credit card via mail.
- Access the portal: Go to the website and enter a reservation code and other information to begin the process.
- Submit for final approval: While pre-qualified, you are not guaranteed approval. Submitting the application results in a "hard inquiry" on your credit report for a final decision.
- Wait for the card: Unlike some modern virtual cards, you must wait for the physical card to arrive in the mail, which can take 7 to 14 business days.
The High Cost of a PREMIER Bankcard
Before accepting an offer, be aware of the card's fee structure:
- Upfront program fees: An expensive, one-time fee is charged before your account is even opened. This fee could be as high as $95.
- High annual fees: There is a separate annual fee, often deducted from your initial credit limit, leaving you with even less available credit.
- High monthly fees: After the first year, some cards also charge a monthly maintenance fee, in addition to the annual fee.
- Very high APR: The card has a high variable interest rate, which can reach over 36%.
- Low credit limits: Initial credit limits are often low, starting at a few hundred dollars.
Alternative Credit-Building Options
Most financial experts agree that PREMIER credit cards are one of the most expensive ways to build credit. Consumers with bad or fair credit should first explore these more affordable alternatives:
- Secured credit cards: These cards require a security deposit but often come with no annual fee and a lower APR. Issuers like Discover and Capital One have excellent secured card options.
- Cards from credit unions: Credit unions may offer more favorable terms for members with fair credit.
- Fintech cards (like Arro): Modern credit-building cards, like Arro Card, use alternative data for approval, report to credit bureaus, and have more transparent, often lower fees.
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
- CLICK HERE TO APPLY ONLINE
*Subject to terms and conditions
opensky® Plus Secured Visa® Credit Card
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- CLICK HERE TO APPLY ONLINE
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* Information provided on this topic may include mistakes. For financial advice, consult a professional.
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.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.