How do I apply for the First Access credit card?
To apply for the First Access Visa® Card, fill out the application online by clicking on the “Apply Now” button. There is no way to apply over the phone or in person.
Here's what you should know before applying for the First Access Card:
- Credit score requirements: The First Access Card is designed for people with less-than-perfect credit, so people with bad credit can be accepted.
- Other approval requirements: To apply for the First Access Card, you need to be at least 18 years old. Plus, you will need to have a checking or savings account.
- Information required: You'll need to provide your full name, home address, phone number, email address, Social Security number, and other personal information.
- Approval Time: Once you submit your First Access Card application, you will likely get a decision within 60 seconds. If you don't get an immediate decision, you can check the status of your application online or over the phone at (888) 267-7980.
Ultimately, it is worth noting that approved applicants will need to pay a Program Fee of $95 to open the account. Plus, 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 $8.25 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. For example, secured credit cards usually come with no maintenance fees at all. And since the security deposit is completely refundable, using a secured card to build credit might be a lot cheaper in the long run.
