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The Titanium MasterCard®, issued by First PREMIER Bank, is a credit card designed for those with less than perfect credit.

There are various fees associated with this card including the following which will be billed to the first statement: An annual fee of $48, an account set-up fee of $29, a program fee of $95, and a monthly participation fee of $7. Individuals who are considering this card should bear in mind that all fees are deducted from the $250 initial credit limit. These types of fees are common among cards designed for poor or limited credit and they will reduce the cardholder's available credit until they are paid.

The APR for purchases is considered reasonably low (see Terms and Conditions) compared to similar cards. If charges are not paid in full, the rates will simply be applied to the total balance and accrue additional finance charges on the account.

It is important to note that although the APR posted for purchases of 9.9% is fixed, if the cardholder's account goes past due twice in any six-month period, or for two consecutive billing cycles, the penalty pricing will apply and the APR for purchases will increase to 19.9%.

Therefore, those who do not mind paying the fees associated with this card, which total $256 for the first year alone, may find the Titanium MasterCard® to be a reasonable option.

Type of card: Credit_repair

Introductory apr rate description: No Introductory Rate Available

Purchases apr rate: $9.90

Cash apr rate: $19.90

Fee: $48.00

Best: Reasonably low interest rate.

Worst: High up front fees.

Perks: See website for additional benefits.

Notations: *$95 application fee + $29 account set-up fee See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• Credit Card for People with Less Than Perfect Credit
• A Titanium Credit Card with A Great Low Rate
• Safe and Secure Application
• Get Your Application Results in Seconds