Agreements as filed with the CFPB. Not an offer of credit. How we read them
CreditCardB

First Premier Bank

Agreement Crmy

The filed agreement discloses a purchase APR of 35.74%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Agreement Crmy
Purchase APR35.74%
Cash advance APR35.74%

Analysis

Little could be extracted from First Premier Bank's Agreement Crmy 89 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

A filing that discloses little

The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.

What did come through: a purchase APR of 35.74%. That is the whole of it.

Padding this page with generalities about First Premier Bank or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.

The limits of this document

Absent from the captured terms: balance transfer terms, an annual fee, a foreign transaction fee and a grace period. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

The source document

This page is a reading of one document: the cardholder agreement First Premier Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by First Premier Bank, not by us. We do not take applications and cannot say whether you would be approved.

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Other cards from First Premier Bank

All 30 agreements from First Premier Bank