First Premier Bank's PREMIER Gold Credit Card is for people with less than perfect credit who had difficulty getting approved for a credit card. This is a fee based card and fees are billed in the first statement reducing the available credit until they are paid up. Initial credit limit is at least $250.00, may be eligible for limit increase in 6 months. Fees include an Account Set-up Fee: $29 (one-time fee), Program Fee: $95 (one-time fee) Annual Fee: $48, Servicing Fee: $84 (annually), Additional Card Fee: $20 (annually per card). Minimum Finance Charge $0.50, Transaction Fee for Cash Advances Greater of $5 or 3% of the amount of the cash advance, Late Payment Fee: $29 and Over Limit Fee: $29, Monthly Account Maintenance Fee $3 per month on closed accounts with an outstanding balance of $20 or more and Fee for Transactions in Foreign Currencies 1.0% of the transaction amount.