Taz Visa®: Reservation Code Required

Our review of the Taz Visa®

The Taz Visa® Credit Card, issued by First National Bank, is a credit builder card that requires a specific mail offer to apply, including a reservation number and an access code.

Mail Offer and Reservation Code Required

To apply for the Taz Visa, you need a pre-sorted mail offer. While this can increase your chances of approval compared to a cold application, it also means you must have access to a reservation code. If you can’t obtain this code, you may want to explore other credit card options that don’t require a specific offer.

Starting Credit Limits

The Taz Visa offers starting credit limits that can range from $350 to $1500, depending on your creditworthiness and the offer you receive. There are three different offers available, each with varying annual fees.

• Offer 1: $49 introductory annual fee for the first year, $114 annually ($9.50 per month) after
• Offer 2: $49 annual fee
• Offer 3: $75 annual fee

These fees are comparable to other credit builder cards for subprime credit, such as the Surge® Platinum Mastercard® and the Milestone Mastercard.

Building Credit with Taz

The Taz Visa is designed to help you build a positive credit history by reporting to the major credit bureaus regularly. By following credit-building tips such as checking your credit file, keeping credit utilization low, paying bills on time, becoming an authorized user, and limiting new credit applications, you can improve your credit score over time.

Be Wary of the Fees

Like many subprime credit cards, the Taz Visa comes with various fees, including a monthly membership fee, late payment fee, returned payment fee, authorized user fee, and cash advance fee. It’s essential to be aware of these fees and manage your account responsibly to avoid unnecessary charges.

Other Card Features

The Taz Visa offers a mobile app for easy account management on Apple and Android devices. Additionally, the card includes basic Visa benefits and security protections, such as zero fraud liability, emergency card replacement, and ID Navigator from Norton.

Should You Apply for the Taz Visa® Credit Card?

While the Taz Visa can help you build credit, there are better options available for subprime credit profiles, including rewards credit cards with similar annual fees. Consider exploring alternatives from Credit One Bank, Applied Bank, Ollo, and Fortiva to find a card that better suits your needs and preferences.