First Access VISA® Credit Card

First Access VISA® Credit Card

Apply Now

on Bank of Missouri's secure site

First Access VISA® Credit Card

Apply Now

on Bank of Missouri's secure site

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.

3

 

Rated 3/5.0 stars by our editorial team

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

First Access VISA® Credit Card

  Apply Now
First Access VISA<sup>®</sup> Credit Card
Apply Now

on Bank of Missouri's secure site

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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/Fair

Highlights

Additional Info

Foreign Transaction Fee

N/A

Balance Transfer Fee

N/A

$0 Fraud Liability

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

3

         

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.

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