First Access Visa® Card

August 20, 2020
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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 card to see if this card is the right solution for you.


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127 User Ratings First Access Visa® Card

at Bank of Missouri Secured website

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Intro APR
Intro APR Period
Min. Credit Level
Bad Credit OK*

Card Details

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies (Explained)
  • 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.
$ 1 2020-09-25 InStock

Expert Review

All those who are struggling with bad credit might get a chance to improve their financial situation by applying for the First Access Visa Card offer. This is an excellent way to not only improve and build your credit 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

All those who are struggling with bad credit might get a chance to improve their financial situation by applying for the First Access Visa Card offer. This is an excellent way to not only improve and build your credit 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 This Card For?

If poor credit gives you troubles, the 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 offer 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, with bad credit or no credit history at all, you can apply for this card and get a chance to rebuild or build your credit in no time. However, the charges and interest rates are pretty high, so consider that before you decide to apply.

The Benefits

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. You can get an approval response in 60 seconds. 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. 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.

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. The fee transparency is also something that helps you understand the terms and conditions better.

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 your $95 program fee to open your account.

The Disadvantages

While this card is designed to help you regain your credit and get back on your feet, it isn't without its disadvantages. The first thing to take into consideration is high APR. Then, there's the fact that this card involves a lot of fees.

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.

One of the 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.

The last disadvantage on our list is the 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.

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 This 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.


  • Available to all with bad credit
  • An excellent tool for building or rebuilding credit
  • Reports to all three credit bureaus
  • Easy online application
  • Starter and cash advance limits


  • High APR
  • Numerous fees
  • No bonuses or rewards
  • Low initial credit line
  • No additional perks

Basic Info

Card Issuer:
Bank of Missouri
Card Network:
Card Category:
Consumer (Regular)
Common Uses:
  • Cards for Bad Credit
  • Instant Decision
Rewards Card:
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Finance & Rates

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First Access Visa® Card - Alternatives & Comparison

*The information provided for First Access Visa® Card is believed to be accurate at the time of evaluation or recent update on August 20, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on card issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this Canada card offer.
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First Access Visa® Card Reviews - (2 User Reviews)

Share your experience and review the First Access Visa® Card
August 26, 2020
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
File for Bankruptcy
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.
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August 11, 2020
Income on Application
Credit Score
Don't know
Credit Limit
File 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.
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First Access Visa® Card

First Access Visa® Card

Min. Credit Required: Bad Credit OK*