First Access Visa Card review

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6/10
Informr score
The First Access Visa Card currently has an Informr score of 6 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?


First Access Visa Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


ValuePenguin

The First Access VISA® Credit Card has many fees and a high APR that make its alternatives more appealing. But, if you have been declined by other issuers due to your poor credit score and financial history, there is still a good chance that you will be approved for this card, and it is worth applyi...

- Karanveer Singh, ValuePenguin
Finder

The First Access Visa® Card comes with a significant price tag. Before shelling out the money for it, consider opening a secured credit card instead.

- Adrienne Fuller, Finder
HighYa

Bank of Missouri’s First Access Card is designed for those with bad credit scores. While the fact that your credit limit can go up after 6 months, its high fees make it expensive for cardholders.

- J.R. Duren, HighYa
Cardcruncher

The First Access Visa Credit Card should be avoided unless you truly have no other options available to you. Its fees are unreasonable and there are many other ways to start rebuilding your credit without paying hundreds of dollars in fees. You’ll be better off taking the money you would put towards...

- TJ Porter, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 34.99%
Balance Transfer Interest Rate
Cash Advance Interest Rate 34.99%
Rates & Fees
Annual Fee $48.00

- $75.00 for first year

- If approved, there's a $89 one-time fee

Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $5

Foreign Transaction Fee
Over Limit Fee $0.00


Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees -
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


ValuePenguin

Great for rebuilding credit

from ValuePenguin

The First Access VISA® Credit Card has many fees and a high APR that make its alternatives more appealing. But, if you have been declined by other issuers due to your poor credit score and financial history, there is still a good chance that you will be approved for this card, and it is worth applying.

Read full review

The First Access VISA® Credit Card has many fees and a high APR that make its alternatives more appealing. But, if you have been declined by other issuers due to your poor credit score and financial history, there is still a good chance that you will be approved for this card, and it is worth applying.

Read full review

Less

Finder

For customers with less-than-perfect credit

from Finder

The First Access Visa® Card comes with a significant price tag. Before shelling out the money for it, consider opening a secured credit card instead.

Read full review

The First Access Visa® Card comes with a significant price tag. Before shelling out the money for it, consider opening a secured credit card instead.

Read full review

Less

HighYa

A first credit card for someone who doesn’t have a credit history

from HighYa

Bank of Missouri’s First Access Card is designed for those with bad credit scores. While the fact that your credit limit can go up after 6 months, its high fees make it expensive for cardholders.

Read full review

Bank of Missouri’s First Access Card is designed for those with bad credit scores. While the fact that your credit limit can go up after 6 months, its high fees make it expensive for cardholders.

Read full review

Less

Cardcruncher

A poor option for poor credit

from Cardcruncher

The First Access Visa Credit Card should be avoided unless you truly have no other options available to you. Its fees are unreasonable and there are many other ways to start rebuilding your credit without paying hundreds of dollars in fees. You’ll be better off taking the money you would put to...More

The First Access Visa Credit Card should be avoided unless you truly have no other options available to you. Its fees are unreasonable and there are many other ways to start rebuilding your credit without paying hundreds of dollars in fees. You’ll be better off taking the money you would put towards the First Access Visa Card’s fees and use it to make a deposit on a secured card.

Read full review

Less

User Reviews


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