First Access VISA® Credit Card
First Access VISA® Credit Card Review
This is a basic credit card designed for consumers who don't have great credit. It can help you build credit over time with responsible use.
First Access VISA® Credit Card
SIGN-UP BONUS
None
REWARDS RATE
1% Cash Back
Get Approved Fast
Quick and Easy Secure Online Application
Rewards Rate
1% Cash Back
Ongoing Purchase APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Card Brand
Visa®
Recommended Credit Score
Poor/FairHighlights
- 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.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See First Access Rewards Programs Terms & Conditions for details
Additional Info
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Expert Review
From the LendingTree editorial team, updated on Mar 25, 2024
The First Access VISA® Credit Card is a good choice if your credit is not that great, but you don't want to put down a security deposit on a secured credit card. With this card, you can apply quick and easy online and get a decision in a minute or less.
If approved, you'll enjoy the worldwide acceptance that comes with carrying a Visa credit card.
The APR on purchases is steep (35.99%*), so it's best to pay your balance off in full every month if you are able.
The Good
- The First Access VISA® Credit Card doesn't require a security deposit to get approved, so it could be a good choice for someone looking for an unsecured credit card to build credit. Also, since it's a Visa card, you won't have to worry about your card getting turned down at most merchants.
The Not So Good
- The APR is very high on this card, so if you carry a balance you could rack up a lot of interest charges very quickly.
The Bottom Line
This is a basic credit card designed for consumers who don't have great credit. It can help you build credit over time with responsible use.
Editorial Note: This content is not provided by Bank of Missouri. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of Missouri.