First Access Visa® Logo

Minimum deposit:



Credit check:



Bank account requirement:






Editorial Rating

First Access Visa® Card Review

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Minimum deposit:



Credit check:



Bank account requirement:






Annual fee:


$75 for the first year (drops to $48 thereafter)

Cash advance fee:


$0 for the first 12 months; $10 or 3% (whichever is greater) thereafter

Foreign transaction fee:



Rewards (cashback):



First Access Visa® Logo

Editorial Rating

Do you need a credit card but have bad credit? Then a First Access Visa® card might be what you need. This is an unsecured credit card that doesn’t require a deposit. It has a decent credit limit, and it’s a way for you to improve your credit score.

Want to find out more? Then read our comprehensive First Access credit card review to see if this is the right card for your financial needs.

First Access Visa® Credit Card: Application Process and Requirements

You can apply for a First Access credit card by visiting the company’s website. Then simply follow these easy steps:

  1. Click on the Apply Now button.
  2. A form will pop up where you can fill in your personal details.
  3. Fill in your name and surname.
  4. Add your street address and your zip code.
  5. Fill in your contact details.
  6. Do you have a checking account? Click on the yes or no answer.
  7. Choose your free card design by clicking on it.
  8. Check the terms and conditions box.
  9. Click on Submit Form.

Approval requirements

To get approved for your First Access credit card, you must meet the following criteria:

  • You must  be 18 years or older
  • You must be a US citizen or a legal US resident
  • Have a valid social security number
  • Must have a checking account
  • Monthly income must be greater than your expenses

Approval Time

After you send your First Access credit card application, it may take a day for the bank to review your request. If it’s approved, it can take up to two weeks for your card to arrive in the mail.

First Access Credit Card Review

Before you apply for the First Access Visa® card, there are a few aspects you need to be aware of. There are various fees that you’ll be charged as a cardholder. You must also consider the line of credit this card can offer you.

APR and credit limit

The First Access Visa® card  Annual Percentage Rate (APR) is 34.99%, which is on the upper end of the industry average.

On the other hand, the First Access credit card limit is $300, which is reasonable and is ideal for those who want to avoid overspending.

First Access credit card fees

Since the First Access Visa® card is unsecured, you don’t need to put down a deposit. However, there’s a non-refundable program fee of $95. In addition, you’ll be charged a $75 annual fee in the first year. After that, this will be reduced to $48 a year.

While the annual fee will be higher in the first year, this introductory period spares you from paying a monthly fee. After that, First Access will charge you $8.25 a month ($95 a year) for the service.

If you fail to pay your account on time, you’ll face a late payment fee of up to $40. There won’t be cash advance charges in the first year, but a fee of $10 or 3% (whichever is greater) applies after that. You can also take out an additional card on your account, which will cost you $29 a year.

Also, after a year of your account being opened, you’ll be charged 20% for any credit limit increases. Express delivery of your card will cost you $35. And lastly, if you want hard copies of your billing statements, the company will charge you $3 per copy.

Notably, the First Access Visa® doesn’t have a foreign transaction fee because you can’t use the card for purchases outside the US.

When are payments due

Your due date for payments will be 21 days after each billing cycle. Interest won’t be charged to your account if you pay your entire First Access Visa® card balance by the due date. But you will be charged interest for cash advances on the post date. Be sure to pay your account on time to avoid interest and late payment fees.

Reporting to credit bureaus

You’ll be happy to know that when you become a First access credit card holder, the company will report your payment activity to the three major credit bureaus. This will help you build or improve your credit score so you can apply for credit limit increases and reap all the benefits of better creditworthiness. This includes higher loan approval odds and more favorable loan terms.


Unfortunately, you don’t get any rewards with your First Access credit card. But you don’t have to pay cash advance or monthly servicing fees in the first year. This means you can build up your credit in the first year without any additional costs to you. Then you’ll have access to credit products with cashback and shopping discount programs.

Common First Access Card Complaints

The First Access credit card reviews aren’t all positive. Common complaints include high interest and the fact that the card becomes useless once you build your credit to a good score.

Another common complaint is that the company never increases credit limits even when people pay their accounts on time. Other customers state that there are too many fees and it isn’t worth the financial burden.


Here are some excellent alternatives to the First Access card that you may want to consider:

  • OpenSky® Secured Visa®: This card’s APR (19.64% variable) is significantly lower than the First Access credit card interest rate. But since it’s a secured card, it requires a deposit to open an account. Its annual fee ($35) is significantly lower, but it charges 2% more for cash advances. Unlike First Access, OpenSky® has a mobile app, which allows you to manage your account on the go.
  • The First Progress Platinum Elite MasterCard® Secured Credit Card: This card has a higher APR ( 22.99% (variable) than OpenSky® and the other secured card options from this list, but its annual fee is the lowest ($29). Notably, Platinum Elite and the other MasterCard options from this list are not available to Arkansas, Iowa, New York, or Wisconsin residents.
  • First Progress Platinum Select MasterCard® Secured Credit Card: This card’s APR (16.99% variable) is lower than the First Progress Platinum Elite and the OpenSky® cards. However, it does have a higher annual fee ($39). Like its MasterCard counterparts, Platinum Select has a mobile app for Android users.
  • First Progress Platinum Prestige MasterCard® Secured Credit Card: This card has a higher annual fee ($49) than the First Access Visa® card and any of the aforementioned alternatives. Yet, its APR (12.99% variable) is the lowest. Like the other MasterCard products from this list, it offers free real-time access to your credit score and ongoing credit monitoring powered by Experian.
First Access Visa® Card OpenSky® Secured Visa® The First Progress Platinum Elite MasterCard® Secured Credit Card First Progress Platinum Select MasterCard ® Secured Credit Card First Progress Platinum Prestige MasterCard ® Secured Credit Card
APR 34.99% 19.64% (variable) 22.99% (variable) 16.99% (variable) 12.99% (variable)
Credit check No No No No No
Security deposit No $200 refundable $200 – $2,000 refundable $200 – $2,000 refundable $200 – $2,000 refundable
Type of card Unsecured Secured Secured Secured Secured
Credit limit $300 $200 – $3,000 $200 – $2,000 $200 – $2,000 $200 – $2000
Annual fee $75.00 for the first year. After that, $48.00 annually. $35 $29 $39 $49
Foreign Transaction Fee N/A 3% 3% 3% 3%
Cash advance fee None for the first year. After that, 3% or $10.00 (whichever is greater) 5% or $6 (whichever is greater) 3% or $10 (whichever is greater) 3% or $10 (whichever is greater) 3% or $10 (whichever is greater)


Ultimately, First Access credit card offers high approval odds and a reasonable credit limit. It doesn’t involve collateral, but it comes with hefty APR and servicing fees, especially after the introductory period.

To take the most out of this Visa, you should use it responsibly in the first year and establish good credit. With an improved score, you can get financial products with more favorable terms.


  • Helps build credit
  • No monthly services fees in the first year
  • People with bad credit can apply
  • Reasonable credit limit


  • High APR
  • High late payment fees
First Access Visa® Logo

Editorial Rating


How does First Access credit card work?

The First Access Visa® credit card is an unsecured card, so you don’t need to put down a deposit to secure it. Even though you can’t use the card outside the US, it’s suitable to make small purchases because the line of credit is only $300. It also reports to the three major credit card bureaus each month. With responsible use and on-time payments, this Visa could help you improve your credit score.

Is the First Access Visa® credit card legitimate?

Yes, the First Access Visa® is a legitimate credit card issued by the Bank of Missouri.

Does First Access credit card give increases?

Yes, you can get a First Access credit line increase, but it isn’t automatic. You have to request a credit limit increase and will only be approved if your account has been open for a year. You will also be charged a 20% fee for credit limit increases.

Does First Access credit card have an app?

Unfortunately, there’s no First Access credit card app.

How do I get cash from my First Access credit card?

To get cash off of your First Access Visa® card, you must request a pin from the customer service team. You can visit an ATM and choose the Advanced Cash option to draw money out of your account.

Where can I use my First Access card?

You can use a First Access card anywhere Visa is accepted in the US.

How do I cancel my first First Access?

If you want to cancel your card, you must call customer care to request it. You may have to confirm some details. You must also ensure that your card is paid in full before you request cancellation. Read the First Access credit card review above for more information about additional fees.