60SecondPremier | Low Credit Score? Not A Problem!


It seems like First Premier Bank has a little something for everyone!

Now the 60SecondPremier provides an easy and reliable credit card solution for customers who have a less-than-average credit score.

Credit card is a tool that can make or break your credit score depending on the spending habits you have. However, that also depends on how well the card would cater to your needs.

Did You Know? First Premier Bank is one of the most famous institutes in the United States. Currently, it offers a variety of credit cards for those with poor, average, good, and excellent credit scores.

If you have been looking for some financial relief, 60SecondPremier may prove to be the best choice for you!

Furthermore, if you have been lucky enough to receive a pre-approved mail offer from the First Premier Bank, there is no reason at all why you should not respond promptly!

In this article, we would tell you what sets apart this mail offer, how you can apply for the card without it, how safe is it to use this credit card and all the other information you might be looking for. Stay tuned!

60SecondPremier – Quick Overview

With or without the mail offer, 60SecondPremier is an amazing choice for anyone who needs a bit of help in fixing their broken credit score.

The bank reports to the three major credit bureaus and therefore it can help boost your score fast.

Getting the mail offer, however, doubles the treat! It means you have higher chances of being approved and also that the application process would be short and easy for you.

As for the associated fees, you would have to pay $49 annually for the credit card.

The final charges depend on your creditworthiness and the credit limit that you are approved for.

There is also a $95 processing fee before your account is activated.

It is reduced to $75 if you are approved for a good credit limit. The monthly charges are typically waived off for the first time. Afterward, you would have to pay $75 to $125 every year.

Fortunately, the card offers good security as well. You can enjoy $0 fraud liability since the bank would not hold you accountable if transactions are made without your authorization.

Is 60SecondPremier Right For You?

It is best to apply for 60SecondPremier with a fair credit score.

Unfortunately, there are not many customers who have been approved with a poor score but you can try your luck especially if you have maintained a good credit report.

Additionally, you would need to prove that you have a fixed source of income.

This is necessary because the card does not charge any security deposit. Since your credit score is not in a good shape, the bank needs some proof that you would be able to continue paying the credit over time.

Other than that, all the legal residents in the US who are above 18 years of age can apply for this card.

There’s something else!

60SecondPremier may not be the right choice for you if you have trouble maintaining high fees.

A number of users have pointed out that this is an expensive card. However, most other unsecured cards for people with average scores have these charges as well.

Therefore, if you have received a pre-approved mail offer and were looking for a credit card anyhow, then we suggest you go for this one.

The only trick is to pay bills on time and preferably in full so the extra interest charges can be avoided.

How To Apply For This Credit Card

Method # 1: Accepting The Mail Offer

You have to visit www.60SecondPremier.com in order to respond to the mail offer.

The letter you get will have a confirmation code printed at the bottom of it. This is the number you need in order to complete the application.

Open the web browser in your laptop or smartphone and access this webpage.

Locate the field that is asking for the confirmation number and enter the code here followed by a click on “Apply Now”.

Note! Make sure you recheck the number before submitting it.

You will not be able to continue the application process if the entered code is incorrect.

Luckily, this is all you need to do! Now patiently wait for the bank to get back to you.

Hopefully, you will hear the good news within 7 days.

Otherwise, you would be informed that the form was turned down. In this case, the email would also contain attached pdf files that explain the reason for disapproval. 

Method # 2: Applying Right Away

First Premier Bank actively tracks its users to identify the right people for pre-approved mail offers.

However, it is possible that you don’t get any such mail although you fulfill the criteria.

That’s not an issue! If you have realized that 60SecondPremier is for you, there is a way to apply for the card right away without waiting for the mail offer.

Now we will tell you how you can get the Premier Mastercard credit card without the pre-approved offer.

  • Visit the same official page i.e. www.60SecondPremier.com.
  • Here click on “Lookup your confirmation number”. This would ensure whether you have received the offer or not.
  • Most probably if you are following this procedure, you haven’t received an offer, therefore click on “Apply without mail offer”.
  • The form would then ask you to enter your first name, last name, social security number, contact address, home number, phone number, etc.
  • After you have entered all the required details, just click on “Apply Now” to complete the application.

Note! Hopefully there would be no issues when you are responding at 60SecondPremier.com. However, if you need any help, feel free to call at 1-800-987-5521 for help. You can also send a written mail at: First PREMIER Bank P.O. Box 5529 Sioux Falls, SD 57117-5529.

Pros and Cons of Choosing 60SecondPremier

This was all the detail we wanted you to know about this credit card offer. Now to sum things up we will quickly provide you with the pros and cons of choosing this one. Let’s go!


  • Easy to apply
  • High approval rates for those with an average score
  • Not a very strict eligibility criteria
  • Offer credit limit increase
  • Offers protection against fraud by covering for unauthorized transactions


  • The annual fee is comparatively high when considering other credit cards
  • Has a high APR, especially for purchase transactions
  • Since the card is for those average scores, there are not many rewards offered on it
  • It does not allow for design customization which is common in many other credit cards

Wrapping Up

We hope this article provided all the insight that you needed on 60SecondPremier in order to make up your mind about this credit card offer.

We tried our best to let you know how to respond to the mail offer in the easiest way possible.

The application is short and straightforward. Additionally, this is a great choice for average scorers who wish to improve their credit score fast.

We are looking forward to your reviews! Hopefully, you loved going through this review. If there is anything you wish to add, feel free to right away in the comment section below.


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