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First Access Visa® Card review

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Informr score
The First Access Visa® Card currently has an Informr score of 5 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

What's good

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; they may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7

What's bad

  • $300 credit limit (subject to available credit)
  • Very high APR
  • Annual fee
  • Monthly servicing fee
  • No rewards
  • No signup bonus

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...


The First Access Visa, which reports to all three major credit bureaus, can help you improve your credit. It also gives you a low-limit credit line so you can have a credit card when one is needed.

- Stephanie Faris, MoneyUnder30
The Ascent
The Ascent

It is designed for consumers who are working on their credit. If you have a low credit score or a limited credit history, this card is usually easy to get. It has a fast online application process, and the card issuer is lenient about approvals. Unfortunately, it also comes with costly fees each yea...

- Lyle Daly, The Ascent

The First Access Visa is a credit card that should be used for building up your credit. However, it can be expensive because of the numerous fees that come with it, so you should definitely check alternatives before deciding. Although this may be a good option for some, if you can qualify for a bett...

- Justin Estes, SimpleMoneyLyfe

The First Access Visa® Credit Card really should be a last resort. You can do better with a secured credit card (requiring a deposit) if you want to earn rewards while building up your credit.

- Robin Saks Frankel, Forbes

The First Access Visa® Credit Card comes with a significant price tag. Before shelling out the money for it, consider opening a secured credit card instead. You’ll need to put an upfront deposit of $200 or more, but you’ll avoid many of the fees associated with subprime unsecured cards, including th...

- Kevin Joey Chen, Kliment Dukovski, Finder


Interest Rates
Regular APR Interest Rate 34.99%

Balance Transfer Interest Rate
Cash Advance Interest Rate 34.99%
Rates & Fees
Annual Fee

See Terms

Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee
Over Limit Fee $0.00

Late Payment Fee $40.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
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
Virtual Cards No
Additional Benefits
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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