Credit Card

First Access Visa® Card review: Earn 1% back on card payments!

Dive into our comprehensive First Access Visa® Card review. Uncover key features, benefits - build credit with confidence! Read on and learn more!

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Take an in-depth look at the First Access Visa® Card and start building credit today!

First Access Visa® Card
First Access Visa® Card review: Earn 1% back on card payments! Source: First Access

Have you ever thought an unsecured card could transform your credit journey? Our First Access Visa® Card review will show you how.

First Access Visa® Card

Apply for the First Access Visa® Card: Free credit

Discover how to easily apply for the First Access Visa® Card and make the right credit move with our simple step-by-step guide.

Tailored for those with credit hiccups, this card isn’t just about transactions—it’s about building a brighter financial tomorrow. So keep reading and learn!

Credit Score:You can request the card even with a bad score;
Annual Fee:$75 during your first year as a member, $48 after;
Purchase APR:35.99%;
Cash Advance APR:35.99%;
Welcome Bonus:There are none currently;
Rewards:You can earn 1% back on your balance payments.

First Access Visa® Card: All you need to know

Rebuilding credit can feel like a discouraging journey, but with the right tools, the path becomes much clearer—enter the First Access Visa® Card.

Designed especially for those with lower scores, this card is more than just a piece of plastic—it’s a step towards a brighter financial future.

The card offers an unsecured $300+ credit line, so you don’t need to worry about security deposits. Since it’s a Visa card, you’ll get nationwide acceptance.

However, these features and perks do not come cheap. There’s a one-time program fee of $95 and a $8.25 monthly maintenance fee after the first year.

Still, this is one of the few cards in its segment that offers cash back rewards. You can earn 1 point per dollar when you pay your monthly balance.

Discover the First Access Visa® Card

First Access Visa® Card
Source: First Access

Next up in our First Access Visa® Card review, we’ll look at the card’s pros and cons to help you make an informed decision. 

Pros

  • You can qualify for the First Access Visa® Card even with bad credit;
  • You’ll get a real Visa card with nationwide acceptance;
  • You’ll be able to upgrade your purchasing power with a $300+ line;
  • There’s bureau reporting to help you increase your credit score;
  • The First Access Visa® Card offers a mobile app for account management.

Cons

  • The First Access Visa® Card is expensive to own and maintain, with plenty of fees;
  • You cannot use the card outside of the United States;
  • Rewards are very limited, and you can only redeem them for statement credits;
  • The card’s APR is on the high side, so paying your balance in full is crucial.

What credit score do you need to apply?

The First Access Visa® Card is tailored primarily for individuals with poor credit scores.

So, even if your current rating is less-than-perfect, you can still qualify.

However, there are other criteria the issuer employs that you must meet before getting the card.

You also need a valid checking account in your name.

How to easily apply for the First Access Visa® Card?

Whether you’re navigating the world of credit for the first time or seeking a fresh start, the First Access Visa® Card might be the answer.

Eager to know how to apply? Stay tuned for our next article, where we’ll guide you through each step, ensuring a smooth and hassle-free experience.

First Access Visa® Card

Apply for the First Access Visa® Card: Free credit

Discover how to easily apply for the First Access Visa® Card and make the right credit move with our simple step-by-step guide.

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