WalletHubQualify with bad creditDoes not require security depositOne-time feesHigh regular APR
Bad Credit
35.99%
Earn 1% cash back rewards on payments made to your First Access Credit Card
See First Access Rewards Programs Terms & Conditions for details
by John Kiernan
September 6th, 2023
Qualify with bad credit
Does not require security deposit
One-time fees
High regular APR
| cash advance fee | $0 the 1st yr, 3% (min $10) after |
| cash advance APR | 35.99% |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 21 days |
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.
Can't find what you are looking for? Submit your question about First Access Visa® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
If you activated your First Access Visa, you are responsible for the card's annual fee.
Otherwise, you have the right to reject the account as long as you haven't used the card or paid any fees after receiving a billing statement.
Just make sure to notify the issuer that you don't want the account. You can reach the First Access Card's customer service department at 888-267-7980.
To cancel a First Access Card, call customer service at 1 (888) 267-7980 and ask a customer service rep to cancel your card account. First Access Card does not allow you to cancel an account in person or by mail.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment...
The best First Access Visa® Card promotion is the $0 cash advance fee for the first year. Cardholders do not need to do anything specific to take advantage of this First Access Card promotion, as it applies automatically. There are a few other notable First Access Card promotions to take advantage of as well.
First Access Card Promotions for September 2023
Credit card promotions change...
No, there is no First Access Card Mobile Banking App, unfortunately.
However, you can check your account details:
There are a few reasons why you can't use your First Access Credit Card:
If you%ve missed a few credit card payments, First Access has likely suspended your ability to make new payments.
Also, you could run out of available credit if you've had your credit limit cut unexpectedly.
You can check your available credit by calling customer service at (888) 267-7980 or logging into your online account.
The First Access Visa® Card works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $75 1st yr, $48 after, and a monthly fee of None 1st year, $8.25 after. There is also a one-time fee of $95.
Best First-Time Credit Cards
You can learn more about the best first-time credit cards on WalletHub.
You can not purchase gas AT THE PUMP with the first access card. That is even on their website.
You cannot check for First Access Card pre-approval. Vervent does not offer pre-approval through its website, so anyone interested in applying for First Access Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and based on your responses, CardAdvisor will provide you with some recommended...
Share your insights and review for the First Access Visa® Card
No problems with card at all. My credit was very poor and continued on time payments have helped amazingly. Would prefer no annual fee $45, but very poor credit does not give a whole lot of options. Same with the interest rate.
I’m trying to set up an online login with mobile application The card is okay I just hope you can increase the limit also and I like it what’s the other name for this card total?? I hope imma get a reply soon
I strongly discourage anyone from dealing with this credit card company. I opened an account with them over a year ago when I was trying to rebuild my credit. I paid my balance in full and ahead of the due date every month, My debit card was lost so when I tried to make a payment (again, ahead of the due date) with that card info still in their files, it was rejected. I explained to them the situation and tried to give them the new debit info. They told me that my card would be suspended until I sent my last 3 bank statements. I told them to close my account (0 balance) over 6 moths ago. Today I received an email charging me the annual fee. They are scammers that take advantage of people trying to build their credit!
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Offer last updated: Sep 6th, 2023 at 15:15 ET
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