The First Access VISA® Credit Card

Sorry, this offer is no longer available on Credit Karma.
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • 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
  • If approved, pay a Processing Fee and you can access the $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
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Annual Fee:
$75 for first year, After that $48 annually
Purchase Intro APR:
N/A
Purchase Regular APR:
29.99%*
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 29.99%
Cash Advance Fee 5%, Min: $5
Late Fee Up to $37
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee N/A
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Cristaterk
Great for rebuilding credit
by Cristaterk
Helpful to 11 out of 13

I opened a secured credit card through Open Sky and then a month later was approved for this unsecured card. It gave me a $50 increase after 6 months on on-time payments. The only downfall is that I do not know when they report the balance to the credit bureaus and even though I pay it every month, it sometimes shows my highest balance for the month. Easy to make payments online and they are applied the next day.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
nogritsnoglory816
Waste of Time
by nogritsnoglory816
Helpful to 11 out of 12

I've had this card over 2 years. You must pay a $89 processing and activation fee to begin using the card. I was given a $300 limit when I initially applied and opened account. After over 12 months of timely payments, sometimes multiple payments per month, I received no offers of a credit limit increase. Trust me, this credit card company has no incentives for being a responsible accountholder. I finally received a $50 credit limit increase after logging into my account and requesting an increase. What a waste! They report monthly to the credit agencies but with a credit limit so low and no incentive to increase your limit, your credit score will not benefit from having this card. My advice is to look for other card options. This one is a waste of time. I recently closed my account because of the issues outlined here. 


Our Take

The First Access VISA® Credit Card is a solid option for people looking to build or rebuild their credit scores.

What to Like

Since the First Access VISA® Credit Card reports monthly to all three major credit bureaus, you can use this card to start building your credit with on-time payments and other responsible use. The card is geared toward those looking to build credit, so people with limited credit histories may qualify. Finally, the card is unsecured, meaning you won’t have to pay a deposit to get access to your credit.

Look Out For

There are a few notable fees to contend with here. There’s an $89 processing fee and a $75 annual fee in your first year, and then a $48 annual fee and a $6.25 monthly servicing fee thereafter. At 29.99%, this card also comes with a high APR on purchases and cash advances.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2017 through August 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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