Comparison of Premio Plus+ vs. Premio

1% cash back on everyday purchases*
Points will expire on or after the third anniversary of when they were awarded
Earn enough rewards to redeem for a $50 Anniversary bonus for spending $20,000 or more in a 12 billing cycle period* x
Japanese and English Customer Service
Online Banking
MasterCard BusinessCard Advantages*2
No Intro Annual Fee
for the first year*1
Annual Fee After First Year*1 $50 $0
No Foreign Transaction Fee*1*3
Low 1.90% Intro APR*1 for the first 6 billing cycles on purchases
After that, your APR will be 18.24%.  This APR will vary with the market based on the Prime Rate.
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How to Apply

You can apply for the Premio Card/ Premio Plus Card through our online application page.

Application Process

Normally, after you apply for Premio Card/ Premio Plus Card, it takes about 4-6 weeks until you receive your card in the mail if you are approved. There are several steps before the application process is complete. Please remember that for security purposes, we only send out credit cards once we know that applicants have arrived in the U.S.

Please see the Summary of Credit Terms links for each card product listed above for important information on rates, fees, costs, conditions, and limitations.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

By applying for the credit card, you understand and agree that all disclosures and other important documents related to the card that are required by law will be provided to you only in English. If you are unable to read and understand the English language, it is very important that you seek the assistance of a trusted, qualified person who can translate these disclosures and important documents for you.

*See Reward Terms and Conditions in the Summary of Credit Terms for details. Cash back accumulates as points and is redeemable in $25 (2,500 point) increments.

*1 For additional information about Annual Percentage Rates (APRs), fees and other costs, see Summary of Credit Terms.
Click here to see the Premio Plus Summary of Credit Terms
Click here to see Premio Summary of Credit Terms
*2 Complete program details including restrictions, limitations and exclusions, will be provided when you become a cardmember.
*3 For new applicants and for cardmembers who applied after August 16, 2017.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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