First Access Visa® Card
Starter credit card with 60-seconds pre-approval
Updated: Jan 26, 2023
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

at Bank of Missouri Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended 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 advances 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 were 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 increase 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
Issuer: | Bank of Missouri |
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Network: | VISA® |
Category: | Consumer (Regular) |
Best Used For: |
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Rewards: | No |
Regular APR: | See Terms |
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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: |
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First Access Visa® Card Alternatives
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Annual Fee See Terms |
Regular APR See Terms |
Intro APR N/A |
Rec. Credit Score Bad Credit OK |
First Access Visa® Card
Reviews - (3 User Reviews)Easy application and credit building
It comes with high fees, but you won’t get anything better
Great solution for entire families with an emphasis on learning how to manage finances
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