Card Review & Application

First Access Visa Card


out of 5

- Earn 1% cash back rewards on payments made to your First Access Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one time $95 program fee to open your account.*
- User friendly Mobile App.
- Reporting monthly to all three major credit reporting agencies
- Perfect credit is not required for approval; we may approve you when others won't
- Easy and secure online application
- *See Rates, Fees, Costs & Limitations for complete offer details
- See First Access Rewards Programs Terms & Conditions for details

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 35.99% *
Annual Fee: See Terms*
Card Issuer: Bank of Missouri
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Building Credit
- Card for Bad Credit
- Instant Decision
- Starter
- Unsecured
- Reward Card
Credit Needed: Bad Credit OK*

The First Access Visa Card offers an unsecured credit card experience to those with less-than-perfect credit. By reporting monthly to all three major credit bureaus, the card provides a tangible way to improve your credit over time. Moreover, it also offers 1% cash back rewards on payments, providing an additional saving advantage. The card has a $300 credit limit and a user-friendly mobile app that makes financial management simpler and more accessible.

The First Access Visa Card is an excellent tool for individuals looking to improve their credit while enjoying the conveniences of a full-feature Visa Card. However, it's important to remember that the card comes with a high APR and annual fees, which might not suit everyone's budget. Therefore, it's best suited for those who are diligent in making payments on time and looking for an opportunity to build their credit.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Type: - Cash Back Rewards
Reward Unit: Cash
Rewards: Rewards: 1% Cash Back
Expiration: None*
Yearly Limit: None*
Other Benefits: *See Terms and Conditions of the card for other benefits
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 35.99% *
Annual Fee: See Terms*
Grace Period: 21 days*
Late Payment Fee: Up to $41*
Balance Transfer: No
APR Cash Advances: 35.99%
Additional Fees Annual Fee: $75.00 1st year, $48.00 after*
Late Payment Fee: Up to $41.00*
Return Payment Fee: Up to $41.00*
Program Fee: $95.00*

We do not offer online application for this card at the moment.

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* The information provided for First Access Visa® Card is believed to be accurate at the time of evaluation (Apr 14, 2024). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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