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First Access Visa® Credit Card

Ongoing APR
See Terms
Setup Fee
See Terms
Reports to Major Credit Bureaus?
Expert Rating: 3.00 / 5 stars

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 on January 11, 2021

Expert Rating: 3.00 / 5 stars
Favorite Card Features:

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.

Purchase Rates
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
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: See Terms
Advance Fee: See Terms
Other Rates
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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