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$75
Intro annual fee
for the first year ($48 thereafter)
34.99%
Purchase APR (variable)
300
Recommended credit score
| Product Name | First Access Visa® Card |
|---|---|
| Card type | Visa |
| Annual fee | $75 intro annual fee for the first year ($48 thereafter) |
| Purchase APR | 34.99% variable |
| Balance transfer APR | N/A |
| Cash advance rate | 34.99% variable |
| Cash advance fee | $5 or 5% of the cash advance amount, whichever is greater |
| Cash advance fee description | Intro $0 cash advance fee for first year. After that, either $5 or 5% of the amount of each cash advance, whichever is greater |
| Interest free period | Up to 21 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $39 |
| Additional cardholder fee | $29 |
| Rates & fees | rates & fees |
The First Access Visa® Card is an unsecured credit card for building credit. But this card doesn’t come cheap — expect to pay a program fee to open your account, and then an annual and a monthly servicing fee. You could run the risk of running up debt, making it harder to build credit. Consider looking at other, less expensive credit-building options.
To apply for the card, you must be at least 18 years old.
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.
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.
Images: First Access
