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First Access Visa® Card card

First Access Visa® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
See Terms*
Recommended credit
Fair / Poor
Card network
Visa
Regular purchase APR
35.99%*
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The First Access Visa® Card is a great option for those who want a true Visa® credit card but don’t have perfect credit. Available after an easy online application, approval can be as fast as 60 seconds – and since your responsible card use is reported to the three major credit bureaus each month when used properly, this can be a valuable tool to build, or repair, your credit.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 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
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; First Access may approve you where others won't
  • Easy and secure online application
  • Receive your card more quickly with Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the application
  • Online Customer Center available 24/7
  • The First Access Visa Card is issued by the Bank of Missouri pursuant to a license from Visa USA Inc
  • See First Access Rewards Programs Terms & Conditions for details

Who this card may suit

  • You have poor credit, or no credit history
  • You want a credit card with fast approval
  • You will demonstrate responsible financial behavior to report to the credit bureaus
  • You want a card that is accepted wherever Visa is accepted in the United States
  • You want the option to select your favorite card desig"

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeSee Terms*
Regular Purchase APR35.99%*
Cash Advance APR35.99%*
Cash Advance Transaction FeeEither $10, or 3% of the amount of the Cash Advance, whichever is greater.

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit.

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First Access Visa® Card

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