PREMIER Credit Card
How we calculate effective rate →
The PREMIER Credit Card from First Premier Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $125.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $125
Best for dining-heavy spend when the $125 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the PREMIER Credit Card earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how PREMIER Credit Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how PREMIER Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the PREMIER Credit Card?
The PREMIER Credit Card fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
PREMIER Credit Card fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Less compelling if the $125 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $125 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- Rewards post as points; compare redemption paths before assuming cash-equivalent value.
Cons
- $125 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the PREMIER Credit Card have an annual fee?
The PREMIER Credit Card has an annual fee of $125 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $125
- Foreign transaction fee
- $3
What benefits come with the PREMIER Credit Card?
The PREMIER Credit Card includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
$10/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Transit Benefit
$10/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the PREMIER Credit Card
Does the PREMIER Credit Card have an annual fee?
The PREMIER Credit Card carries an annual fee of $125 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the PREMIER Credit Card?
Dining is the strongest Madeen category for the PREMIER Credit Card at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the PREMIER Credit Card charge foreign transaction fees?
The PREMIER Credit Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the PREMIER Credit Card annual fee worth it?
Whether the $125 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the PREMIER Credit Card?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the PREMIER Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the PREMIER Credit Card?
Rewards on the PREMIER Credit Card post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the PREMIER Credit Card compare to similar cards?
Compare the PREMIER Credit Card against PREMIER Bankcard (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
PREMIER Credit Card This card | Dining | 0% | $125 |
First Premier Bank | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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Issuer links
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure