Premier Bankcard
“Can a subprime-focused consumer credit card company modernize its technology stack to compete for the next generation of credit-rebuilding consumers while maintaining its underwriting edge?”
Premier Bankcard, LLC operates as the credit card servicing arm of First PREMIER Bank, a South Dakota-chartered bank, specializing in subprime consumer credit cards targeting credit-rebuilding consumers. The company has historically competed on willingness to serve underbanked and credit-impaired populations. In 2026, under President Ben Marcello, Premier Bankcard undertook a full technology stack transformation—replacing its processing core with Fiserv and rebuilding CRM, call center, and marketing automation—positioning for future growth rather than defensively.