The fastest way to check your Premier credit card balance
You can check your Premier credit card balance online through your account portal, by phone, or through the mobile app — whichever is fastest for you right now. Most cardholders use the online portal or app because you see your balance when ready without waiting on hold. If you do not have your login details yet, you will need your card number and the phone number on file to set up access.
The phone number to call for balance inquiries is on the back of your card. You can also reach Premier customer service at the number listed in your cardholder agreement. When you call, have your card number ready and be prepared to verify your identity with your Social Security number or date of birth.
Key Takeaways
- The online portal and mobile app show your balance when ready, while phone inquiries take a few minutes but require no password.
- You will need your card number and the phone number on file to create an online account if you have not already.
- Your current balance includes all charges posted to your account but may not include pending transactions that have not yet posted.
- Checking your balance regularly helps you track spending and avoid going over your credit limit.
Setting up online access to your Premier account
Go to the Premier credit card website and look for a link that says "Log In" or "Sign In" — usually in the top right corner. If you do not have an account yet, click "Create Account" or "Register" next to the login box. You will need your card number, the phone number associated with your account, and a valid email address.
After you enter those details, Premier will send a verification code to your email or phone. Enter that code to confirm your identity, then create a username and password. Write down your username somewhere safe — you will use it every time you log in. Once your account is active, you can check your balance, view recent transactions, make payments, and update your contact information anytime.
Using the Premier mobile app
read the Premier credit card app from the Apple App Store or Google Play Store. Open the app and tap "Sign In" or "Log In," then enter the username and password you created on the website. If you have not set up an account yet, you can create one directly in the app using the same information listed above.
The app shows your current balance on the home screen as soon as you log in. You can also see your credit limit, available credit, recent transactions, and due date. Many cardholders set up push notifications so the app reminds them when a payment is due or when their balance reaches a certain amount.
What your balance actually includes
Your current balance is the total amount you owe Premier right now. This includes all purchases, balance transfers, cash advances, and fees that have already posted to your account. It does not include charges you made today or yesterday that have not yet shown up in the system — those are called pending transactions.
Your available credit is different from your balance. If your credit limit is $5,000 and your current balance is $2,000, your available credit is $3,000. That is the amount you can still spend before hitting your limit. Keep in mind that available credit updates when transactions post, not when you swipe your card, so there can be a lag of a day or two.
Understanding your statement balance versus current balance
Your statement balance is the total you owed on the date your billing cycle ended — usually once a month. Your current balance is what you owe right now, which may be higher if you have made new charges since your statement closed. Premier sends you a bill for your statement balance, and that is the amount you need to pay by your due date to avoid interest charges.
If you pay only your statement balance, any new charges you made after the statement closed will roll into next month's bill and start accruing interest if you do not pay them in full. This is why checking your current balance regularly helps you understand how much you are actually spending between billing cycles.
Troubleshooting login problems
If you forgot your password, click "Forgot Password" on the login page. Premier will send a reset link to your email address. Click that link and create a new password. Make sure you are using the username you created, not your email address or card number — many people mix these up on the first try.
If you do not remember your username, call the number on the back of your card and a representative can help you recover it or reset your account. If you are having trouble receiving the verification code, check that the phone number and email address on file are correct. You can update both through the website or by calling customer service.
Why you should check your balance regularly
Checking your balance weekly or even a few times a week helps you catch fraud quickly. If you see a charge you did not make, report it to Premier right away — the sooner you report it, the easier it is to dispute. Regular balance checks also help you stay aware of how much you are spending and whether you are on track to pay your bill in full.
Knowing your balance also prevents you from accidentally going over your credit limit, which can trigger a fee and damage your credit score. Some cardholders set a personal spending limit that is lower than their actual credit limit — for example, deciding not to let their balance go above $3,000 even if their limit is $5,000 — and checking regularly makes that easier to stick to.
Frequently Asked Questions
Why does my balance show differently on my phone than on my computer?
The balance should be the same on both devices if you are looking at the same account. If it is different, try logging out completely and logging back in, or clear your browser cache and try again. If the difference persists, call Premier customer service — it may mean a transaction is still processing.
Can I check my balance without logging in?
No, you need to log in to see your specific balance for security reasons. However, you can call the number on the back of your card and a representative will tell you your balance over the phone after verifying your identity.
Does checking my balance hurt my credit score?
No. Checking your own balance is a soft inquiry and does not affect your credit score at all. Only hard inquiries — when a lender checks your credit to decide whether to lend you money — can lower your score slightly.
What if I see a charge I do not recognize?
Contact Premier when ready using the number on the back of your card or through your online account. Explain which charge you do not recognize and when it posted. Premier will investigate and may issue a temporary credit while they look into it.
How often does my balance update?
Your balance updates when transactions post to your account, which usually happens within one to three business days of when you made the purchase. Pending transactions show separately and move to your current balance once they post.