My life, my money: Openmypremiercard

My life, my money: Openmypremiercard


Credit cards are convenient financial tools that can help you manage your expenses, build credit, and earn rewards. However, with so many credit card options available in the market, it can be challenging to choose the right one that fits your needs and budget. If you’re looking for a credit card that offers generous rewards and benefits, you may want to check out Openmypremiercard. This credit card is designed for people who have fair or bad credit and want to improve their financial standing. In this article, we will take a closer look at Openmypremiercard and its features.

What is Openmypremiercard?

Openmypremiercard is a credit card offered by First Premier Bank, a South Dakota-based financial institution that provides various banking products and services. The Openmypremiercard is specifically designed for individuals who have fair or bad credit and want to rebuild their credit scores. This credit card is unsecured, meaning that you don’t need to provide collateral or security deposit to get approved.

What are the benefits of Openmypremiercard?

The Openmypremiercard offers several benefits that can help you improve your credit score and earn rewards. Some of the key benefits include:

  1. Credit limit increase: If you make your first six monthly payments on time, you may be eligible for a credit limit increase. This can help you improve your credit utilization ratio and boost your credit score.
  2. Zero fraud liability: With Openmypremiercard, you won’t be held responsible for unauthorized charges made on your account. If you notice any suspicious activity on your account, you can report it immediately and get a full refund.
  3. Credit education: First Premier Bank provides free access to their CreditScope program, which can help you monitor your credit score, understand your credit report, and receive personalized recommendations on how to improve your credit score.
  4. Rewards program: With Openmypremiercard, you can earn one point for every dollar you spend on eligible purchases. You can redeem your points for cashback, gift cards, travel rewards, and merchandise.

What are the fees and interest rates of Openmypremiercard?

Like any credit card, Openmypremiercard charges fees and interest rates that you should be aware of. Here’s a breakdown of the fees and rates associated with this credit card:

  1. Annual fee: The Openmypremiercard has an annual fee of $75 for the first year and $45 for each subsequent year.
  2. APR: The annual percentage rate (APR) for purchases ranges from 36% to 49.99%, depending on your creditworthiness.
  3. Cash advance fee: If you withdraw cash from an ATM using your Openmypremiercard, you will be charged a fee of either $6 or 5% of the amount of each cash advance, whichever is greater.
  4. Foreign transaction fee: If you use your Openmypremiercard to make purchases in a foreign country, you will be charged a fee of 3% of each transaction amount.

How to apply for Openmypremiercard?

If you’re interested in applying for Openmypremiercard, you can do so online by following these simple steps:

  1. Visit the Openmypremiercard website and click on the «Apply Now» button.
  2. Fill out the application form with your personal and financial information, such as your name, address, income, employment status, and social security number.
  1. Review the terms and conditions of the credit card and make sure you understand the fees, interest rates, and rewards program.
  2. Submit your application and wait for a decision. First Premier Bank will review your application and determine whether you’re eligible for the Openmypremiercard.
  3. If you’re approved, you will receive your credit card in the mail within a few business days. Make sure to activate your card and set up your online account to manage your payments and rewards.


In conclusion, Openmypremiercard can be a great option for individuals who want to build or rebuild their credit score and earn rewards. While it has some fees and high-interest rates, it offers attractive benefits such as credit education, zero fraud liability, and a rewards program. If you’re considering this credit card, make sure to read the terms and conditions carefully and use it responsibly to avoid accumulating debt. Apply for Openmypremiercard online and take advantage of its features to improve your financial health.

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