First Access Visa® Card

Starter credit card with 60-seconds pre-approval

Updated: Apr 7, 2021

Advertiser Disclosure

The First Access card allows all those with bad credit to apply for a Visa card that might be their way out of financial troubles. This card, issued by the Bank of Missouri, is designed for people who have financial problems and are looking for an effective way to rebuild or build credit on the go. With an easy online application and almost an instant response, pretty much anyone can apply or get approved. While the card isn't without its disadvantages, this might be an excellent tool that can help you get back on your feet and significantly improve your bad credit as it reports your credit activity to major Credit Bureaus. Check the fees and benefits of the First Access Visa card to see if this card is the right solution for you.

ANNUAL FEE

See Terms

ONGOING APR

See Terms

INTRO APR

N/A

135 User Ratings

First Access Visa® Card

at Bank of Missouri Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Bad Credit OK

Key Features

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Our Take

All those who are struggling with bad credit might get a chance to improve their financial situation by applying for the First Access Visa Credit Card offer. This is an excellent way to not only improve and build your score but also to enjoy a wide range of additional benefits. This card, designed especially for people with bad credit, offers several different advantages, aside from high approval ratings and low application requirements. If you need a quick cash injection that will help you improve, rebuild, or build your credit, this card might be the best option.

Who Is the First Access Card For?

If your poor credit gives you trouble, First Access might have the best solution to your financial problem. Build or rebuild your credit while enjoying some additional benefits on the side. One of the best things about the First Access Visa card is that you can count on small cash advance and starter limits. It also offers additional financial stability that can help you stay on track with your obligations and payments. If you fall into the subprime user category, you can apply for this starter credit card and get pre-approved in no time. However, the charges and interest rates are high, so consider that before you decide to apply.

What are First Access Card Benefits?

  • Credit reporting. This card reports to all three major credit bureaus, and making timely payments will show on your credit history. A history of timely payments is an excellent way to improve your score.
  • Made to build credit. What we like about this Visa card is that you may get approved regardless of your credit score, and get an opportunity to rebuild bad credit or improve your bad credit history. Two great, friendly features that you can use to improve your credit score are cash advance limits and a low credit limit to get started. Demonstrate your financial responsibility by repaying your balances every month.
  • Easy application, fast response. Since First Access Visa doesn’t require perfect credit for approval, the only thing you need to do is to follow the online application procedure to get preapproved. You can get an approval response in 60 seconds.
  • 2 fees relinquished for 1st year. Perhaps the best thing about this First Access credit card offer is the fact that cash advance fees and monthly servicing charges are relinquished in the first year. This should allow you to recover financially and become stable enough to develop healthy financial habits.
  • Unsecured card. Finally, this is an unsecured credit card, which is an additional benefit, since you won’t be required to make any security deposits. You’re only obliged to pay the program fee to open your account.
  • Transparency. The fee transparency is also something that helps you understand the terms and conditions better.

Are there any disadvantages?

While this card is designed to help you regain your credit and get back on your feet, it isn’t without its disadvantages.

  • High interest. The first thing to take into consideration is high APR. Then, there’s the fact that this card involves a lot of fees.
  • Increased fees on 2nd year. The second year of using the card leaves you with monthly servicing fees and expensive maintenance. These are all things you need to take into consideration to avoid additional financial issues and increasing your debt.
  • Credit increase after 12 months only. One of the key disadvantages is that you have to wait for a year before you can apply for a higher credit limit, while the sole approval for the credit increase also includes an additional fee.
  • 3 months for cash out. There is a 90-day waiting requirement before you’re eligible for getting cash out with your new Visa card. You won’t be able to get cash out of your account until at least three billing cycles have passed.
  • Many extra fees. And, speaking of fees, there are fees for the credit card limit increase, return and late payments, penalty APR, going over the limit, setup, and maintenance, as well as program fee, annual, and transaction fees.

Should You Use First Access Card?

If you don’t mind a high APR and plenty of additional fees, this card could be an excellent way to find your financial ground again. It gives you access to a small credit line, but its benefits do come at a price. Still, if you can’t get rid of that bad credit of yours, this might be a way out. Other options may include secured credit cards with higher spending limits, but it all depends on your credit report.

Frequently Asked Questions

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Basic Information
Issuer: Bank of Missouri
Network: VISA®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • Starter
  • Unsecured
  • Building Credit
Rewards: No
Rates & Fees
Regular APR: See Terms
Regular APR Type:
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: 34.99%
Grace Period: 21 days
Late Payment Fee: Up to $40
Other Fees:
  • Monthly Fee: None
  • Program Fee: See Terms*
  • Set-up Fee: See Terms*

First Access Visa® Card Alternatives


First Access Visa® Card

First Access Visa® Card

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Annual Fee

See Terms

Regular APR

See Terms

Intro APR

N/A

Min. Credit Level

Bad Credit OK

IMPORTANT
*The information provided for First Access Visa® Card is believed to be accurate at the time of evaluation or recent update on April 7, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

First Access Visa® Card

Reviews - (3 User Reviews)
Share your experience and rate the First Access Visa® Card
(Average)
November 7, 2020
Tony (36-45) - Previous Cardholder
Income on Application
$54968
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
No

Easy application and credit building

As a subprime user, I had troubles with getting approved for a credit card that could help me rebuild my credit. I applied for this card with a 550 score and was approved almost immediately. While the card is a way to rebuild your credit, as it reports to all three credit bureaus, I have to say that there are numerous fees to watch out along the way. You get cash advance and starter limits, but that’s it. It’s a good card if you have no other option, but if you do, I’d suggest you go with the other option. To sum up, the card has easy online application for all those who struggle financially and want to build credit
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
2/5
Application Process:
4/5
Comment (0)

(Average)
August 26, 2020
Phillip (46-55) - Cardholder
Income on Application
$59592
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
No

It comes with high fees, but you won’t get anything better

When I applied for this card, my score was around 500... I got rejected many times by various card companies and was really beginning to doubt I'll ever get a card. But I got approved in a day and got the card in about 5. Yes, the fees are extremely high with this card, and the interest rates are also solid. But you really can't expect any card company to give you better terms with such a low score.
Fees & Charges:
1/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
4/5
Comment (0)

(Good)
August 11, 2020
Roger (36-45) - Cardholder
Income on Application
$32300
Credit Score
Don't know
Credit Limit
$300
Filed for Bankruptcy
Yes - 1 year

Great solution for entire families with an emphasis on learning how to manage finances

I owned a small car repair shop, and my poor management skills made my credit score really low. I tried to get out of it, but it was the only way. After I lost my credit score, I had to close my shop and start everything all over again. I applied for the card online because they say that it's good for improving credit scores. It looks to be doing what I need so far because it helped me improve my bad credit scores a little. Maybe one day I’ll reopen that shop of mine.
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
4/5
Comment (0)

First Access Visa® Card

First Access Visa® Card

Min. Credit Required: Bad Credit OK

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