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The First Access Visa® Card is an unsecured credit card for people with bad credit. However, this card comes with a ton of fees which is why we recommend some better alternatives.

In this review, I will show you if you should consider this card for rebuilding your credit. I’ll help you can understand how the First Access Visa® card works, its benefits, and its shortcomings.

In this review:

First Access Visa® Review & Ratings

First Access Visa® Card

5.8 out of 10

If you have poor or damaged credit you might consider First Access Visa® as one of the rare credit cards you can get easy approval for.
This card can be used anywhere Visa is accepted and helps with building your credit. However, you are going to pay out of the (you know what) in fees if you choose this card.



Easy to qualify

Credit building tool

Reports to all 3 major credit bureaus


High APR (34.99%)

$95.00 one-time fee

Annual fee: $75.00 for the first year, $48 after that

$8.25 Monthly Fee

Low Initial Credit Limit

First Access Visa® card is one of the credit cards created by The Bank of Missouri mainly to help people who have little, poor, or no credit.

While it really is easy to qualify for this card and you get all the benefits from having a genuine unsecured Visa card, the fees associated with this card are some of the highest we’ve seen.

Get the security and convenience of a full-feature, unsecured VISA® Credit Card.

Apply Now →

What Makes First Access Visa® Different?

The First Access Visa is an unsecured card that allows people with poor credit to obtain a credit card without a deposit.

The card is mainly for helping people with bad credit obtain new credit and re-build their credit profile.

This card will report to all three major credit card bureaus which in turn will help you build your credit history. 

You can get an initial credit limit of usually around $300.00 which is pretty standard for this type of card. The entire application process is fast and you can complete it online in just a couple of minutes.

In all honesty, what makes the First Access Visa Card different isn’t a good thing.

This card has some of the highest fees when it comes to a credit card for rebuilding credit. 

About the Issuer

The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

The Bank of Missouri has been in business for more than 125 years and has been through the Great Depression and two World Wars. 

They serve millions of card members nationwide and have been awarded a 5-Star Rating from BauerFinancial, Inc., an independent bank rating company. 

First Access Visa® Features

The First Access credit card is packed with several features that make it a good option for rebuilding credit. The main features of this card include: 

  • Card type: unsecured
  • Credit score needed for First Access Visa® card: Fair/bad credit
  • $300 credit limit (subject to available credit)
  • Simple Online Application Process 
  • Easy To Qualify (Perfect Credit Not Required)
  • Reports monthly to all three major credit bureaus
  • Manage your account 24/7 with online access
  • Get your card more quickly with Expedited Processing (additional fee applies)

First Access Visa® Credit Card Rates and Fees

Below are some of the basic features of the First Access Visa® Card:

  • Card type: Unsecured
  • Interest rate: 34.99% APR
  • Cash Advance Interest rate: 34.99% APR
  • Annual fee: $75.00 for first year. After that, $48.00 annually.
  • Monthly fee: None for first year (introductory). After that, $95.00 annually ($8.25 per month).
  • Rewards: None
  • Initial Credit Limit: $300.00
  • Credit reporting: Reports payment information to all three credit bureaus.
  • Cash advance fee: None for first year (introductory). After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater.
  • Late payment fee: Up to $40.00

So, just in case you didn’t get our warning, here it is again.

Not only will you pay out the wazoo in fees for this card, you will also get a very small starting limit. This means you will probably start off with high credit utilization on the card. 

Just hear me out: 

Your initial credit limit will be $300.00, once you pay the Program access fee of $89.00 your account gets funded.

So, we are already in the negative $89.00 just for being approved. 

You then get hit with a $75 first year annual fee and then a $6.25 per month fee.

This means you will start off already using 25% of your balance which could harm your credit score if you allowed it to report to the credit reporting agencies. 

You probably should never use this card because every year you are going to spend about $124.00 in fees alone.

To top this all off, if you do spend on this card you will be hit with a whopping 34.99% APR (…WOW).

If this doesn’t scare you away to a better alternative, I don’t know what else can.

First Access Visa® Application Process and Requirements

In order to apply for a First Access Visa® card you must meet the following requirements:

  • Be a US citizes
  • Be over the age of 18
  • Have a checking account

To apply for a First Access Visa® credit card you simply fill in an application form online. You will be asked to provide your personal information as well as information about your income and employment.

You can also pick the design for your new card. Here are the designs you can choose from.

First Access Visa® card designs

First Access Visa® Credit Limit Increase

One of the truly worst things about First Access Visa card is that you will get charged a fee for each credit limit increase you accept.

After your account has been open for at least one year, a fee of 20% of the amount of any increase in your credit limit may be charged to your account as a credit limit increase fee.

👉 For example: if your credit limit is increased by $100, a $20.00 credit limit increase fee will be assessed, which will result in additional available credit of $80.00 on your account. This fee is automatically assessed upon your acceptance of each credit limit increase.

First Access Visa® Card Pros & Cons

Available to people with bad creditHigh APR
Can help establish a payment historyHigh fees
Easy & fast approvalCredit limit increase fee
Genuine unsecured Visa card
Reports to all 3 major credit bureaus

First Access Visa® Alterantives

A secured credit card through First Access can help you with rebuilding your credit. However, there are much better options available for building or repairing your credit that come with much fewer fees or are completely free.

I would get all of them and bypass the First Access Card.

Credit Cards for Poor Credit

While credit card options for people with poor credit are typically much narrower than those in the good or fair categories, you can still find a variety of choices much better than the First Access Visa card.

Find the ‘bad credit’ credit cards most likely to accept you. Help repair your poor credit score and compare the best credit cards for bad credit.

Best Credit Cards for Poor Credit

Credit Building Tools

There are many different ways to improve your credit score, other than getting a new credit card. Here are some of our favorites:

Experian Boost can help you build your credit record with phone and utility payments… and it’s absolutely free!.

Try Experian Boost Now!

Self online credit builder loans are straightforward to apply for and the application process is easy.

Learn More

No matter if you are looking to start building your credit or need to rebuild your credit, a secured credit card is one of the best tools to use on your journey.

Best Secured Credit Cards

Steps To Take After You’re Approved

The real work starts once you have been approved for your First Access Visa® Credit Card.

Monitor Your Credit

One of the most overlooked areas of building credit is monitoring your credit. This is truly your first line of defense when trying to build or rebuild your credit.

You should try to find a service that allows you to monitor all 3 of your reports.

Monitor Your Credit for FREE!

Credit Sesame’s 100% free credit monitoring service is hassle-free with no strings attached.

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Make On Time Payments

Making on-time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

Keep Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

👉 For example: If your First Access credit card has a $300 limit try to not spend over $45.
Spending $60 on a $300 card limit means that you are utilizing around 20% of your credit on that card. That is above the recommended credit utilization percentage, so be mindful of how much you spend.

How To Cancel Your First Access Visa Card?

Cancel By Phone:  You can call (888) 267-7980 to cancel your First Access Card at any time.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account. 

You will also receive the security deposit back that you used to open your account.

I would recommend keeping the card active as long as you can, there really isn’t a reason to cancel the card any time soon.

Taking Action On Your Credit

Hopefully, you have taken our warning in this First Access Visa credit card review.

While this card is going to be easy to qualify for, it will cost you dearly in the long run and could even hurt your credit if you can’t keep up with all the fees. 

Start building your credit today with one of our alternative methods.

Get the security and convenience of a full-feature, unsecured VISA® Credit Card.

Apply Now →

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.