By trying your luck with 60SecondPremier, you can get your hands on a credit card explicitly meant for those poor credit scores.

60secondpremier credit card is a good option for those with poor to fair credit score. It carries an annual fee of $45 to $49 and fixed APR of 36%. If you think this is a good fit for you, you can apply right away with a help of a pre-approved mail offer.

The 60secondpremier credit card offered by First Premier Bank is a fantastic choice for beginners or those wishing to improve their scores.

Now, you can even apply for the card via a pre-approved mail offer, so you don’t have to fill out the application form for an hour.

Getting a mail offer for a Premier bank card also means you have more than average chances of becoming a cardholder.

Although it is a good thing, there is no shame in applying for a card with a mail offer, and in this article, we will show you how!

60SecondPremier – Quick Overview

You can avail of the mail offer from the PREMIER bank only if you are a legal resident in the US. You must also be 18 or older for a credit card application and hold a bank account.

Other than that, no strings are attached to how many terms and conditions First Premier credit card carries.

This card is much easier to use, and it has helped many customers increase their credit score by reporting their good spending habits to the 3 major credit bureaus. 

Getting a pre-approved mail offer provides all the more reasons to proceed with the credit card application. The proposal makes the process easy and increases the probability of your request being accepted.

Since this credit card is available to those with a fair score and does not charge any security fee, the bank would check your reliability as a cardholder by demanding other charges, such as a monthly maintenance fee and high APRs on late payments. 

You pay up to $125 a year as a monthly charge. Although you can do nothing about this expense, the interest rates can easily be avoided by making timely payments. Other than that, the bank also charges $95 for opening your account.

60SecondPremier By First Premier Bank


Preferably, 60SecondPremier is more open to those with a fair credit score and sound financial standing for a couple of years. However, if your credit report is in good shape, you might be approved for a lower score card.

Annual Fee

The annual fee with this credit card depends on the approved credit limit. For example, for a $300 credit line, you must pay $75 for the first year and then $45 annually. For a credit limit of $600, the annual fee is $79 for the first year and then $49 annually. 

It can vary depending on your creditworthiness. The annual fee you have to pay at the end of the would consider the credit limit for which you have been approved.

Interest Rates

60SecondPremier credit card charges a fixed, regular APR of 36%. This card tends to be costly as it is offered to those with a not-so-good credit score. Since the bank is running a risk by issuing you a card with a history that says otherwise, you will be charged a little extra as a security.


No immediate rewards, such as discounts or cashbacks, are offered on this credit card. However, it has plenty of other perks that we discussed in the section above.


Unfortunately, the card does not offer a $0 fraud liability like most sound cards. However, the customer support service is promptly available, so you can report your missing card immediately and have it deactivated.

Furthermore, the bank promises to protect your personal information and other data to ensure you do not hesitate to consider this card before applying.

Applying For The Card at

You can access the First PREMIER Mastercard by visiting or proceeding via a pre-approved offer.

In both cases, you have a solid chance of being accepted as a cardholder, even if your credit score needs fixing.

1. Responding To Pre-Approved Mail Offer

You can now easily apply for the 60SecondPremier card if you have received a pre-approved offer in your mail. Such requests are sometimes sent randomly by the bank to all the eligible customers who have the potential to become a responsible cardholders.

Getting a pre-approved offer means the bank has initiated a soft inquiry on your credit report. Unlike a tricky question, this does not damage your credit score in any way.

Everything is clear about responding to the mail offer because everything you need is already mentioned in the letter sent to you. Locate the confirmation number printed at the bottom of the page.

Use this code in the appropriate field after the 60-second Premier com login. Then click on “Apply Now”. This would finish the application process!

Your request will be accepted, and you will hear from the bank within 7 to 10 working days. If the form is turned down, a disapproval email and the reason behind the rejection will be sent to you.

If you are still waiting for a response from the bank within 14 working days, you can call and contact their representative. Typically, this means that your information needed further processing before they could reach a decision.

2. Applying Without Mail Offer

Applying without a mail offer is not as much of a daunting task as you think. You can apply for the Premier Mastercard within 10 minutes, even if you have not received a pre-approved mail offer.

The first thing you can do is check for the offer by pressing “Look up your confirmation number” on the official website we mentioned. This will fish out any suggestion that might exist for you but has yet to reach you.

If this does not work, we have another solution!

Fill out the application form on by providing your full name, contact address, contact numbers, email ID, and social security number. This will take a little of your time.

3. Contacting The Bank

The best part of being a Premier Bank customer is that you would always be satisfied with their customer support service. You can quickly get in contact with the institute by calling 1-800-987-5521. This number can be used to report issues, apply for a card, or report a missing credit card.

Besides that, you can send it in a written mail to First PREMIER Bank P.O. Box Sioux Falls, DS 57117-5529. The last option is to Fax at 1-605-357-3438. 

Is It Safe?

60SecondPremier, backed up by First Premier Bank, is a reliable option for every customer who wants to boost their credit score fast. It also has an excellent reputation for protecting its user’s data.

Furthermore, the bank offers credit limit increases over time. You can find many online reviews praising how easily they accept the request for credit line increment.

On top of that, the customer support at the institute is very responsive. You can always contact them and get answers to all your queries.

Another safety feature is canceling the credit card whenever you want. This would not incur any extra charges. You need to call the bank and inform the spokesperson about your decision. Reviews

Online reviews can help you determine if this credit card is the right fit for you or not. Some of the reliable reviews I have gathered from online platforms are shared below.

I keep seeing all these terrible reviews. Why complain, their fees and rules are clearly listed, it’s a choice you make. Anyone who’s complaining about the ridiculous fees, you knew before you signed. I’m 39 years old. I’ve never been able to get credit. They gave me a chance. The fees are bad. Probably to make up for all the people who never pay it. They are taking a high risk. Cheers to whoever is behind this card. You’re a genius, and brave.

I’ve had 2 cards with them for a couple of years. They have been wonderful. You have to watch what you’re doing but they help you do it. Thanks so much! I have a great credit file now. Over time they gave me a 2nd card. Upped my limits on both. If you’re responsible their fees are right there with other cards. My only problem is I wish they updated with the credit reports more often.

First Premier has an obscenely high interest rate, and horrible fees. The only reason to get this card is to improve your credit, and that’s where it does serve a useful purpose. Tanked my scores a couple years ago. Got a card with either a $300 or $500 limit (can’t remember). Anyways I took it sideways, got the card. Pay on time, don’t go over limit, etc., and your score will skyrocket, at least mine did. Now I have a couple of respectable, low fee, cash back cards.

So, in a nutshell… Read the fine print, pay the astronomical fees, etc. and within a year or so get a quality card. It’s the price you have to pay to rebuild your credit. Get a better card, then cancel these guys. On their statement they will give you one months advance notice that your yearly fee is coming up. Pay it off and close it right then!

Alternatives To 60secondpremier Credit Card

A common alternative to the 60secondpremier credit card is the DCY Visa Platinum secured credit card. It charges no annual fee, has a current variable APR of 13.75%, and is a good option if you are in a poor credit situation.

You can qualify for a fair credit limit with this card even with a weak credit report, as it does not rely heavily on credit assessment. However, the card does report to credit bureaus, so it can help you build a credit history with timely payments and responsible use.

You can go for an Opensky Secured Visa credit card as well. You can apply with a low credit standing if you submit a security deposit between $200 and $3000. It has a variable APR of 10.64% and reports to all three major credit bureaus.

You can also check and as suitable alternatives to First Premier bank credit cards.

Before You Go!

Hopefully, this article covered everything you wanted about 60SecondPremier and its pre-approved mail offer. You can now easily apply for a credit card with or without the request and get your hands on one of the best cards available.

One thing to keep in mind is that this card comes with a few additional charges. If you are willing to deal with that and be responsible with payments, you can enhance the look of your credit report in no time.

We hope you loved going through this review. If you want us to provide further details, let us know below! We would love to get some feedback.

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