First Access Visa® Credit Card
First Access Visa® Credit Card Summary
Get the security and convenience of a full-feature, unsecured Visa® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
$300 credit limit (subject to available credit)
Receive your card more quickly with optional Expedited Processing (additional fee applies)
Get a result in as little as 60 seconds upon completion of the online application
Select your favorite card design from our gallery, for free!
Online Customer Center available 24 x 7
Issued by The Bank of Missouri
Creditnet's Full Review
The First Access Visa® Credit Card is an unsecured credit card for consumers who need to rebuild their credit. Beware that this card has a lot of fees, and there's no way to get around them. There's a setup fee, an annual fee, and even a monthly service fee beginning in the second year. However, if you are getting denied for every credit card you apply for, you may have a much better chance at getting approved for The First Access Visa® Credit Card.
Creditnet's Expert Rating & Review
by Elisabeth Chan on January 11, 2021
Interest is not charged on purchases if you pay your balance in full by the due date each month. The due date will be a minimum of 21 days after the close of each billing cycle.
Least Favorite Features:
Fees! We are never a fan of fees. However, if you are someone who is being denied credit from other issuers, then paying the fees associated with this card may be worth it for a full-feature, unsecured Visa® Credit Card that reports monthly to all three major credit reporting agencies. For more details of fees, See Terms
Our Final Take:Let's face it, there really aren't any great unsecured credit cards for bad credit. But everyone needs to start rebuilding their credit somewhere! The First Access VISA® Credit Card has hefty fees, but your payment history will be reported to all three major credit bureaus and you can begin rebuilding your credit history today. Keep your balances low, pay in full and on time, and watch your credit scores rise!
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | N/A | Credit Required: | bad |
| Intro Period: | N/A | Set Up Fee | See Terms |
| Ongoing APR: | See Terms | Annual Fee | See Terms |
| Penalty APR: | N/A |
| Intro APR✝: | N/A |
| Intro Period: | N/A |
| Ongoing APR: | N/A |
| Transfer Fee: | N/A |
| Ongoing APR: | See Terms |
| Advance Fee: | See Terms |
| Other Rates | |
|---|---|
| Foreign Transaction Fee: |
See Terms |
| Min. Interest Charge: | See Terms |
| Credit Line | |
| Min: | 300 |
| Max: | N/A |
| Penalty Fees | |
| Late Payment: See Terms |
|
| Over the Credit Limit: | N/A |
| Returned Payment: | See Terms |
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