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:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

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
Great to build credit
by Blaqroz72
Helpful to 9 out of 9

Obviously no one read that there is an $89 professing fee to get the $300 then $75 will be charged. These credit cards like this have been around for a long time. This card will help you build credit fast. I applied didn’t pay the processing fee yet and got my card in 3 days. People have complained of not getting the card after they were approved. Not sure how that happened when I got mine in 3 days after being approved and will be paying the $89 fee. I think a lot of people are mad because they didn’t read the fine print. There are other cards to get.

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
Terrible card, Please stay away.
by xXTrailerGODXx
Helpful to 8 out of 8

I got this card to try and build my credit. They first charged me a 80 something dollar amount processing fee to just start their card. Then they gave me a card with a 300 dollar limit. and 2 weeks later removed 75.00 from the card for an annual processing fee. The Interest rate is a wopping 26.99%. So 2 weeks after I got it, I have canceled the card and for having a card for only 2 weeks I lost something like 160.00. I was fully aware of the processing fee and annual fee when I signed up, I just wasn't aware that the annual fee would be charged less then 2 weeks after I get the card. An annual fee should be charged when you have used the card for a period of time. The other issue is, to make sure you always pay your annual fee, they remove 75.00 from your available credit so they can bill your card as they need and charge you 26.99% interest on it when they do. Please don't make the same mistake I did. Stay far away from this card. If you are trying to rebuild your credit as I am, please use a different card. 

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† 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 July 2017 through December 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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