Review: First Access Visa Card® |

Review: First Access Visa® Card – August 2018

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Rebuilding your credit doesn’t need to be a daunting task. Look into re-establishing your credit through an unsecured card.

  • Known for: Helping to rebuild credit
  • Minimum credit score: None

When rebuilding your credit, it can be difficult to know where to start. You’ll need a credit card to begin the slow and steady process, but qualifying is often an obstacle. First Access Visa® Card requires no cash collateral, and a reasonable credit limit lets you get used to the payments while the credit bureaus get to know all the good you’re up to. Though an attractive companion on the journey to good credit, if you’re not careful, the fine print could leave you reeling.

Product NameFirst Access Visa® Card
Card TypeVisa
Cash Advance Rate29.99% variable
Cash Advance Fee$5 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Minimum Interest$0.5
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Additional Cardholder Fee$29
Minimum Age18 years of age

First Access Visa® Card at a glance

  • Card name: First Access Visa® Card
  • Card type: Visa

The perks

Rebuilding credit without putting up money for security is a huge advantage with a card that shows improved credit scores over time.

  • Qualifying is easy.
    Applicants find the process to be hassle free — a relief for those with limited credit histories.
  • Progress reports.
    Your timely payments are reported to the three major credit bureaus monthly to let you get back to building your credit responsibly.
  • Set up for success.
    A starting credit limit of $300 lets you get used to borrowing and paying back reasonable sums. Limits increase $50 every six months for accounts in good standing.
  • Money in your pocket.
    Unlike many other cards for people with less than perfect credit, this Visa is unsecured, meaning there’s no upfront collateral required to open the card.

Too good to be true?

There are a lot of costs both upfront and down the line. Unlike cards with incentives and perks, you’ll end up paying for every convenience. While useful for rebuilding credit, this card is not ideal for large purchases. The high interest rate will get you if you aren’t able to pay off your balance.

  • High APR.
    The rate on purchases and cash advances is variable.
  • Set up costs.
    A fee is required to open the card, as is an annual fee that’s immediately deducted from your available credit. To see the fees in detail, see the card terms on the card website.
  • Maintenance fees.
    After the first year your annual fee drops, but you will begin paying a monthly servicing fee. To see the fees in detail, see the card terms on the card website.
  • Pending payments.
    Several users report that payments don’t post immediately and remain pending for extended periods of time. This means you could make a payment on time only to have it reported as late. You can make same-day payments by phone, but not without a fee.
  • Limits on use.
    This card cannot be used at automatic fuel pumps, at gambling sites or for travel outside of the U.S.

Am I eligible?

There is no official minimum credit score for consideration, but many have used First Access Visa® Card to boost their credit. Applying is simple and can be approved within 60 seconds.

What information do I need to apply?

  • Your name, residential status and mailing address
  • Your phone number, email address and date of birth
  • Your Social Security number

How to apply for First Access Visa® Card

  1. Click the “Go to site” button on this page.
  2. Click the “Apply now” button on the First Access page.
    How to apply for the First Access VISA® credit card
  3. Complete the application with name, contact information, and residential status.
  4. Read through the disclosure, privacy policy, and marketing agreement.
  5. Enter your Social Security number, date of birth and a password and click “Continue.”

I got the credit card! Now what?

To get the most out of your new card:

  • Keep track of your account.
    View your account and make payments online.
  • Plan your payments accordingly.
    Be careful about timing. Cardholders are limited to making one online payment every five business days, and non guaranteed funds are subject to a 14-day hold.
  • Don’t let interest accrue.
    High APRs can trap you quite easily. Set aside cash for every purchase you make, and pay it back before the end of the billing cycle to avoid paying interest.
  • Avoid additional fees.
    Late fees can really add up, plus interest. Same-day payments by phone will cost you another fee.

Bottom line

Getting a card with a limited credit history is simple with the First Access Visa® Card, plus it’s a great choice if you’re attempting to boost your credit score.

But if you’ve got a somewhat healthy credit score or you’re looking for a card with more bells and whistles, you should head over to our main credit card page and compare several different types of credit cards.


Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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22 Responses

  1. Default Gravatar
    BrandieApril 25, 2018

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

    • finder Customer Care
      RichApril 25, 2018Staff

      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.



  2. Default Gravatar
    LilFebruary 27, 2018

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

    • finder Customer Care
      robellynnenrileMarch 5, 2018Staff

      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,

  3. Default Gravatar
    KathyDecember 4, 2017

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

    • finder Customer Care
      RenchDecember 4, 2017Staff

      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,

  4. Default Gravatar
    KristynNovember 26, 2017

    Best way to make payment

    • finder Customer Care
      ArnoldNovember 27, 2017Staff

      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


  5. Default Gravatar
    TonyOctober 17, 2017

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

    • finder Customer Care
      JudithOctober 17, 2017Staff

      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.

      In this link, you may find tips in applying for a credit card.

      You may also view this page for credit card options which do not require credit checks.

      I hope this helps.

      Best regards,

  6. Default Gravatar
    MistieSeptember 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.

    • finder Customer Care
      JhezelynSeptember 14, 2017Staff

      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.


  7. Default Gravatar
    jeffSeptember 3, 2017

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

    • finder Customer Care
      MariaSeptember 3, 2017Staff

      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.


  8. Default Gravatar
    KathyAugust 7, 2017

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

    • finder Customer Care
      ArnoldAugust 7, 2017Staff

      Hi Kathy,

      Thanks for your inquiry.

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

      Hope this information helped.


  9. Default Gravatar
    JackJuly 14, 2017

    Do i have to pay the expedited charge to receive my card? And also if i do pay the $35 to expedite my card how much sooner will i receive it

    • finder Customer Care
      AnndyJuly 15, 2017Staff

      Hi Jack,

      Thanks for your question

      On the terms and conditions of this card, there is no specific number of days as to how soon you can receive your card if you pay $35 for express delivery. You may have to directly call the card issuer to confirm this information.


  10. Default Gravatar
    FeliciaJune 25, 2017

    Hello, do it take more than 14 days to receive a card after the 89.00 processing fee?

    • finder Customer Care
      AnndyJune 25, 2017Staff

      Hi Felicia,

      Thanks for your question.

      After approval, you’ll receive your card within 1 to 2 weeks.

      You can check the status of your card by directly contacting the card issuer.


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