The First Access VISA® Credit Card

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  • 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

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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
Anonymous
GOOD CARD FOR BAD CREDIT
by Anonymous
Helpful to 62 out of 67

i have a score of 537 and they accepted with a limit of 350 honeslty great card and is not a scam like other credit cards 

 

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
Anonymous
this, credit one and first premier
by Anonymous
Helpful to 37 out of 39

these cards all appear to be in the same family.  If your credit is mediocre to low, you can also likely be approved for Kohls, Victoria Secret and Nordstrom.  My credit has increased over 100 points in the last year using these cards with low balances.  Divorce killed my credit and rebuilding it is costly, but worth it in the long run!


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 June 2016 through November 2016. 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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