Credit Cards (US)
First Access Visa® Card review
The First Access Visa® Card is an unsecured card that accepts you when you have no credit history. So, check out our review to learn more about its pros and cons!
First Access Visa® Card: the best way to improve your score!
If you are looking for a credit card that allows you to build your credit history, but don’t have the income or credit rating to qualify for one of the major cards out there, then the First Access Visa® Card may be perfect for you. So, if you want to know more about this product, keep reading our First Access Visa® Card review, where you’ll learn more about its pros and cons. That way, you can decide if the credit card is the best option for your financial needs!
So, this Visa® card is an option for those who have a bad credit score or no credit history at all.
As an unsecured credit card, it doesn’t need a secured deposit, and it helps you build up your credit score.
But, it comes with a price: a high APR and annual fee. So, check out more information below!
Credit Score | Bad – Fair |
Annual Fee | See terms. |
Regular APR | See terms. |
Welcome bonus | None |
Rewards | None |
How to apply for a First Access Visa® Card?
The First Access Visa® Card helps you build your credit score and it doesn’t need a secured deposit. Check out how to apply for it now!
All the details about the First Access Visa® Card
The First Access Visa® Card allows you to have an unsecured card without having trouble with the application process. It accepts from bad credit scores to no credit history at all. But, it doesn’t feature rewards or welcome bonuses.
Even though it is a great tool for building up credit, it charges a high APR of 34.99% and a high annual fee of $75 in the first year and $48 after that.
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First Access Visa® Card benefits and drawbacks
Firstly, this credit card doesn’t require a secured deposit. As an unsecured card, it offers a reasonable credit limit of $300.
Secondly, it offers an opportunity for those with no credit history to build up their credit score.
Thirdly, First Access doesn’t charge a monthly fee in the first year.
However, it charges an annual fee and a high APR compared to the market.
Also, the card doesn’t feature any kind of reward.
Pros
- Checking Account Required.
- 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).
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Cons
- Annual fee
- High APR
- No rewards
- It requires checking account
Credit score required for the application
You can apply for this Visa® card even with no credit history at all. It is an opportunity to start building a credit score.
Learn how to apply for a First Access Visa® Card
If you think that this credit card fits your profile, check out how to apply for it now!
How to apply for a First Access Visa® Card?
The First Access Visa® Card helps you build your credit score and it doesn’t need a secured deposit. Check out how to apply for it now!
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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