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First Access Visa® Card review


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This card could help build your credit, but be wary of high APR and annual fees.

  • Get this card if you want a subprime unsecured card.
  • Pick something else if you don’t want to pay heavy fees or if you want a lower APR.
  • You can apply for this card if you’re rebuilding credit.


Annual fee

for the first year ($48 thereafter)


Purchase APR (fixed)


Recommended credit score


Product NameFirst Access Visa® Card
Card typeVisa
Annual fee$75 intro annual fee for the first year ($48 thereafter)
Purchase APR34.99% fixed
Balance transfer APRN/A
Cash advance rate34.99% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Cash advance fee descriptionIntro $0 cash advance fee for first year. After that, either $10 or 3% of the amount of each cash advance, whichever is greater
Interest free periodUp to 21 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$29
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The First Access Visa® Card is an unsecured credit card for building credit. But it’s expensive: You’ll pay an $95 one-time program fee, plus a $75 first-year annual fee and $48 for each following year. On top of that, you’ll pay a $6.25 monthly servicing fee starting the second year, which comes out to $75 annually.

Also, note that carrying a balance can hurt, as the card has a sky-high 34.99% fixed purchase and cash advance APR.

Most of these costs aren’t necessary to get a credit card. That’s why it’s wise to avoid the First Access Visa® Card in the vast majority of circumstances. In most cases, you’d be better off opening a secured card instead. This requires you to put down a security deposit, but you can get this deposit back when you close your card.

By using a secured card responsibly and diligently making payments, you can steadily increase your credit score and later qualify for better cards — ones without eye-watering fees.

How to apply for the First Access Visa® Card

To apply for the card, you must be at least 18 years old.

  1. Click Apply now.
  2. Fill out the application with details like your name, contact information, financial information and residential status.
  3. Review your application and submit it.

What credit score do I need?

The Bank of Missouri doesn’t specify a minimum credit score to qualify for this card. However, it states the card “does not require perfect credit for approval.” It aims for consumers with average and below-average credit scores.

Apply now

What to watch out for

  • Checking account required.
    You need to have an active checking account if you want to apply for this card.
  • Very high APR.
    You’ll receive a high fixed 34.99% variable APR on all balances. The card already comes with many fees, so try paying off your balance in full monthly to avoid accruing debt.
  • Program fee.
    When you open your account, you’ll pay a one-time program fee of $95 — not uncommon among subprime unsecured cards.
  • Annual fee.
    You’ll pay an annual fee of $75 for the first year and $48 from the second year onward. Once the annual fee of $75 is charged, you’ll have $225 available credit limit. Make sure to pay off your annual fee as soon as possible to free up your credit limit.
  • Monthly servicing fee.
    For the first year, you won’t pay any monthly servicing fees, but starting from your second year, expect to pay $6.25 servicing fee monthly. Over one year, that comes out to $75. Add in the annual fee of $48 and your total fees to own the card from the second year climb to $123 annually.
Apply now

Card benefits

  • Build credit.
    The First Access Visa® Card reports to all three major credit bureaus, helping you build credit when you use your card and pay your bill on time.
  • $300 initial credit limit.
    Once you’re approved for the card, you’ll get an unsecured credit limit of $300. After six months of responsible card use, you can request a higher credit limit, though approval is not guaranteed.

Compare secured credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
Apply for this card with no credit check if you're new to credit or have bad credit.
OakStone Platinum Secured Mastercard®
Starting at $200
9.99% variable
Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card.
Self Visa® Credit Card
Starting at $100
21.74% variable
Build your credit with a low minimum security deposit of $100 and no credit score required.
OakStone Gold Secured Mastercard®
Starting at $200
13.99% variable
A secured credit card to help you build credit with a low APR on purchases of 13.99% variable.

Compare up to 4 providers

Bottom line

The First Access Visa® Card comes with a significant price tag. Before shelling out the money for it, consider opening a secured credit card instead. You’ll need to put an upfront deposit of $200 or more, but you’ll avoid many of the fees associated with subprime unsecured cards, including the annual fee.

Frequently asked questions

Images: First Access

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    Default Gravatar
    September 19, 2019

    Can I use my first access to buy a money order

      Avatarfinder Customer Care
      September 20, 2019

      Hi Harold,

      Thanks for your message. Generally, yes, some merchants may allow you to buy a cash advance with a credit card, but it can be expensive. To get more information on this, it would be best to contact First Access Card.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    September 11, 2019

    Will I get instant access to my card number?

      Avatarfinder Customer Care
      September 12, 2019

      Hi Travis,

      Thanks for your question. As soon as your card is approved, First Access will send your card and you will be able to use it immediately

      Hope this helps!


    Default Gravatar
    April 25, 2018

    Once I make my card payment when are the funds available on the card?

      Avatarfinder Customer Care
      April 25, 2018

      Hi Brandie.

      Thanks for posting on Finder.

      Card payments usually take 1 to 2 business days to post. You may use the card once the payment has been posted. The fastest way to check if the payment is already good on the bank’s end is to call them directly.



    Default Gravatar
    February 27, 2018

    How long does it take to get a credit line increase ???

      Avatarfinder Customer Care
      March 5, 2018

      Hello Lil K,

      Thank you for your inquiry. With the First Access Visa® Card, a $300 minimum credit upon opening and that increases by request after six months if account is in good standing and does not exceed the limit.

      Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

      Best Regards,

    Default Gravatar
    December 4, 2017

    I have my card but trying to make payments for the fee and can’t seem to get that accomplished.

      Avatarfinder Customer Care
      December 4, 2017

      Hi Kathy,

      Thanks for your inquiry. Please note that we are not affiliated with First Access or any company we feature on our site and so we can only offer you general advice.

      If you are referring to your payment for your first access card. It would be best to visit First Access official site or call them directly in order to know all the payment options you have.

      Kind regards,

    Default Gravatar
    November 26, 2017

    Best way to make payment

      Avatarfinder Customer Care
      November 27, 2017

      Hi Kristyn,

      Thanks for your inquiry

      If you are referring to your payment for your first access card. It would be best to visit First Access’ website or call them directly in order to know all the payment options you have.

      Hope this information helps


    Default Gravatar
    October 17, 2017

    My credit score is 500 will I be approved for this card can’t afford another hard inquiry.

      Avatarfinder Customer Care
      October 17, 2017

      Hi Tony,

      Thanks for contacting Finder, a comparison website and general information service.

      Your credit score is one of the factors that is often used by lenders to help decide whether to approve you for new credit cards or other loans. The higher your number is, the better your credit position is.

      To improve your chances of getting approved for a credit card, please ensure that you meet the eligibility criteria and requirements of the credit card provider and make sure to read the details, as well as the relevant PDS/ T&Cs of the credit card before making a decision and consider whether the product or option is right for you.

      Check out our tips in applying for a credit card.

      You may also view our list of credit card options that do not require credit checks.

      I hope this helps.

      Best regards,

    Default Gravatar
    September 13, 2017

    I received a card in the mail that states I have to pay a processing fee and then gave me available credit limit. I tried to go on line to start that but it says my application has been denied. I’m confused.

      Avatarfinder Customer Care
      September 14, 2017

      Hi Mistie,

      Thanks for your comment.

      That can definitely be very confusing. You would be well advised to please contact First Access directly to clarify why you’re being denied.


    Default Gravatar
    September 3, 2017

    What is your mailing address for payments? Who do I make the check payable to?

      Avatarfinder Customer Care
      September 3, 2017

      Hey Jeff,

      A friendly reminder that we do not represent any of the companies that we feature on our pages and it would be best to confirm this information directly with them. You can click on the green “Go to site” button on this page and scroll down to find their contact details at the bottom right corner of the site.


    Default Gravatar
    August 7, 2017

    Can I use my card at an ATM? If so, how do i get a pin number?

      Avatarfinder Customer Care
      August 7, 2017

      Hi Kathy,

      Thanks for your inquiry.

      Have you activated your First Access Visa® Card yet? You can activate your card by visiting the Activation Page of your card. You may also ask assistance by calling your provider toll-free at (888) 267-7980.

      Hope this information helped.


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