Credit Cards

First Access Visa® credit card full review

The First Access Visa® 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!

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by Aline Augusto

Published on 11/26/2021

First Access credit card overview

First Access Visa® credit card review. Source: First Access.
First Access Visa® credit card review. Source: First Access.

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 First Access Visa® may be perfect for you. So, if you want to know more about this product, keep reading our First Access 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 ScoreBad – Fair
Annual Fee$75 in the first year
$48 after
Regular APR34.99%
Welcome bonusNone
RewardsNone
First Access card preto fundo azul

How to apply for a First Access card?

First Access Visa® credit card helps you build your credit score and it doesn’t need a secured deposit. Check out how to apply for it now!

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All the details about First Access 

The First Access 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.

First Access Visa® credit card benefits and drawbacks 

Check out the pros and cons. Source: First Access.
Check out the pros and cons. Source: First Access.

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.

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Pros

  • It doesn’t require credit history
  • It helps build credit score
  • Plus, it doesn’t need a secured deposit
  • Accepted nationwide

Cons

  • Annual fee
  • High APR
  • No rewards
  • It requires checking account

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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® credit card

If you think that this credit card fits your profile, check out how to apply for it now!

First Access card preto fundo azul

How to apply for a First Access card?

First Access Visa® credit 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

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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