You can fill out a First Access card application on the First Access website. There is no way to apply over the phone or via mail. To apply for the First Access card, you need to be at least 18 years old – and to get approved, you will need to have a checking or savings account. You’ll also need to provide your full name, home address, phone number, email address, Social Security number, and other personal information. You can choose which credit card design you prefer right on the application – a $100 bill, a mountain meadow, a kitten, and an American flag are among the available designs.
Once you submit your First Access application, you will likely get a decision within 60 seconds. The First Access credit card is designed for people with less-than-perfect credit, so people with bad credit can be accepted. If you don’t get an immediate decision, you can check the status of your application on their website, or over the phone at 888-267-7980.
Approved applicants will need to pay a Program Fee of $95 to open the account, and the card has an annual fee of $75 for the first year and $48 per year after that. On top of that, after the first year, cardholders pay $6.25 per month just to keep the account open. It’s wise to take these fees into consideration before applying for this card. There are far cheaper credit cards for bad credit out there that will build your credit – secured credit cards, for example.