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1 Star Rating
My account was restricted because I made multiple payments in one month
Product: First Access Visa® Card
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Please find below credit cards offered by First Access Card.
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One-Time Fees
Regular APR35.99%
One-Time Fees
$95
Regular APR
35.99%
annual fee
$50 - $125 intro 1st yr, $48 after
monthly fee
None 1st year, $6.25 - $10.25 after
rewards rate
1% Cash Back
minimum credit
Bad
WalletHub's Take: The First Access Visa is an unsecured credit card for people with bad credit. This card is legit in the sense that it’s a real credit card that gives you a $200+ credit line and reports account information to the major credit bureaus each month. But unless you really need to borrow money for an emergency expense, you’re better off building your credit with a low-cost secured credit card.
Pros
- Qualify with bad credit
- Does not require security deposit
Cons
- High membership fees
- High regular APR
Rewards Details
- Earn 1% cash back rewards on payments made to your First Access Credit Card
- See First Access Rewards Programs Terms & Conditions for details
Additional Info
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
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First Access Card Credit Card Reviews
3.6
2,845 reviews
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1 Star Rating
I just got the First Access credit card. My biggest issue is the fact the card doesn't come with a chip, and you can't use it at a gas pump. You have to go inside the store. I use my credit card for the perk of not having to go inside the gas station. The fact it doesn't come with a chip makes it easier for someone to steal my information. My credit limit was $500, but after they took out the fees, I basically received $375 to start off with. That's my impression so far.
Do not get this card. Even if you are having trouble getting approved elsewhere, do not get it. I cannot wait to close my account.
Do not get this card. Even if you are having trouble getting approved elsewhere, do not get it. I cannot wait to close my account.
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2 Star Rating
I just got the First Access credit card. My biggest issue is the fact the card doesn't come with a chip, and you can't use it at a gas pump. You have to go inside the store. I use my credit card for the perk of not having to go inside the gas station. The fact it doesn't come with a chip makes it easier for someone to steal my information. My credit limit was $500, but after they took out the fees, I basically received $375 to start off with. That's my impression so far.
Product: First Access Visa® Card
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1 Star Rating
Verified CustomerNot bad as a starter card to boost your credit. Like with anything you get with bad credit, it has fees and high interest rates. That's not my complaint, honestly, I expected that. It does not have a chip which is inconvenient compared to most other cards. The biggest issue for me is they "restricted" my card due to my moving! So, I'm paying on it but cannot use it as it is saying I have a zero available balance. Apparently, they do this as a "security" measure. I have never experienced this before. As a matter of fact, I have three cards with this bank and this is the case with all three. I have sent them my bank statement as proof of address and still no available credit. If I had known they do this, I never would have changed my address on my account! This is why I'm giving one star. A huge issue for me. Now, I have to wait for them to go through some kind of process and review, as if my moving and changing addresses caused such a huge issue. Absolutely ridiculous.
Product: First Access Visa® Card
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1 Star Rating
Verified CustomerThis card was the worst card ever to have; that is why I closed them out. They charge you with a monthly fee even when it's paid in full.
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3 Star Rating
Verified CustomerI had the card for the first year, and when it came time to start charging me $8.25 a month plus the annual fee, I got approved for the Discover Card and a Capital One card and gave 1st Access my walking papers, saying so long. They do everything they say they would, so I made the initial decision to get their card on their terms, so there were no unexpected things going on. I just finally was able to find a better option for myself.
Product: First Access Visa® Card
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1 Star Rating
Verified CustomerIf you ever have an emergency, DO NOT USE THIS CARD. It repeatedly declined during a storm. Then, when calling customer service, an operator named Mae told me, and I quote, 'just use another form of payment...' in reference to how I was going to get food and shelter for myself and my family. Obviously, I'm out of town, away from home, verified myself through her and the automated system, and clearly, if I was using my credit card, I had no other means... WORST COMPANY EVER!
Product: First Access Card Credit Cards
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1 Star Rating
Never get this card; they are never accurate with information. I made a payment, they mailed my new card somewhere else, and logged me out of my account so I couldn't make any payments other than over the phone through them. They tried to charge an extra $10, and I still wasn't able to get my new card mailed. I was told I couldn't close my account until three days after they took my payment. They never want to give you an increase. I've been with this pathetic company for 5 years and never had a problem with payments until now.
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5 Star Rating
I'm very new to this credit card; mine is actually the First Digital card with this bank. I can say this: I needed a new credit card because I'm going to rebuild my credit score, and they are giving me that chance. For me, that means a lot. How many credit card companies give you a chance with bad credit? Almost none. I will give a better review after 90 days, but it's going great so far. Michael from Las Vegas, Nevada.
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1 Star Rating
Verified CustomerDon't ever get this card, even if you need it. It's so hard to get hold of the organization's back office, and they are the only ones who can make any significant changes outside of simple access issues or payment collections. I have requested claim documentation using certified mail for over 14 months now, and the back office hasn't bothered to resolve any issues.
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First Access Card Credit Card Q&A
Get answers to your questions about First Access Card Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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10
UpvotesHow do I apply for the First Access Visa Card?
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Adam McCann
The easiest way to apply for the First Access Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the First Access Card is available to people with bad credit or better, which means it's easy to get approved. You can check your credit score for free here on WalletHub.
How to Apply for the First Access Card
- Go to the application page on First Access's website or click the "Learn More" button on sites like WalletHub to be taken there
- Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
- Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
- Fill in the requested financial information such as your income, sources of income, employment status and housing status. You will also need to authorize the issuer to do a hard pull of your credit.
- Double check to make sure the application is complete and all the information is accurate.
- Submit the application.
Once you've submitted your First Access Card application, you may receive a decision right away. However, the issuer has up to 30 days to respond to your application. You can read about how long it takes to get a credit card after approval here on WalletHub.
3
UpvotesHow often does the First Access Visa Card increase your credit limit?
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Chip Lupo
Yes, the First Access Visa® Card does give credit limit increases if your account has been open for at least 12 months. First Access may offer an increase after the first year if your account is in good standing, or you can request a higher credit line by calling (888) 267-7980.
Key Things to Know about Getting a First Access Visa® Card Credit Limit Increase
- You can only request a credit limit increase after you've had the card for...
7
UpvotesHow can I talk to First Access Card customer service?
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Bogdan Roberts
To talk to First Access Card customer service, call (877) 259-3755 and then enter your 16-digit card number. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to First Access Card Customer Service by Phone
- Call the First Access Card customer service department. You can even use the number on the back of your card.
- Enter your 16-digit card...
7
UpvotesHow can I pay my First Access Card processing fee?
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Maria Adams
You can pay your First Access Visa® Card processing fee online or by calling (877) 259-3755. You will need to enter your date of birth and your application ID which was sent to you by email, to proceed with the payment.
If you can't find your application ID, you can look for it online, by clicking on “Search by Email.” Then, enter the email address that you used when you submitted your application.
10
UpvotesHow do you get a First Access Card PIN?
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Cameron DiGiovanni
To get a First Access Card PIN, call the number on the back of your card and ask customer service to send you one. A credit card PIN is a four-digit code that you will need in order to get a cash advance at an ATM in the United States, or to make certain purchases when traveling abroad (such as purchases from unmanned kiosks).
Best Way to Get a First Access Card PIN
- Call customer service at the...
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