This is a typical credit card for poor credit rating people with all the good things that come with statement, as well with (expected) bad things. Let's go and see what the good and bad sides are.

• Low APR of 9.9% on purchases (really good for a credit card for poor credit rating)
• Monthly reports to four major credit bureaus
• 24 hour account access by phone for your First Premier Bank Credit Card
• 25 day grace period
• Credit decisions in less then 60 seconds

Bad sides:

• High fees (expected for this kind of card)
• You don't end up with a big credit limit

First Premier Bank Credit Card looks as an OK card for this category. It's strongest point is a really low APR (see above), so if you're looking for a card with that feature, First Premier Bank Credit Card offer might be for you. You should not be surprised with the high fees that leave you with not that big real credit limit as all credit cards for poor credit come with such fees. This credit card can help you rebuild your credit because it reports to four major credit bureaus monthly, as said above.

I would also like to add that many people don't understand this type of credit cards - they're not top-notch cards for people with lots of money, they are here to help you when you have bad credit rating and they provide a solid platform for your credit card needs. Good luck!