First Access Visa Card Review – Unsecured Subprime Card to Rebuild Credit

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Overview

If you have poor credit and are looking for a credit card to rebuild credit history, consider using the First Access Visa Card. It offers subprime users an unsecured credit card to improve credit. You can be approved for the card even if your FICO credit score is under 550. The First Access Visa Card reports monthly to all three major credit reporting agencies. It also allows you to increase credit limit once every six months, which will have a positive effect on your credit score.

  • 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
  • If approved, pay a Processing Fee and you can access the $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.
Intro APR
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Intro APR Period
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Regular APR
See Terms
Annual Fee
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Card Benefits

If you have experienced credit problems in the past or have not established a credit profile yet, it will be difficult for you to obtain new credit lines or loans. Don’t worry. The First Access Visa Card can come to the rescue. It is an unsecured subprime credit card which does not require a security deposit to open an account. It accepts applicants of damaged creditworthiness, such as those who have filed for bankruptcy before, have a pattern of being late for payments, or owe money to collection agencies. If your credit score is low, most card issuers would consider you as a risky customer and would refuse to grant you an unsecured credit card. But you can still be approved for the First Access Visa Card because it is a card designed for people with poor credit to regain their footing on credit ratings.

The First Access Visa Card has an easy online application and can give you an instant approval within 60 seconds, which is convenient. It is a true VISA credit card that is widely accepted by most merchants around the world.

New cardholders usually start out with a $300 credit limit with the card. Although the initial credit limit is low, you can request an increase in credit limit every six months. A higher credit limit will positively impact your credit score, because a higher credit limit helps reducing your credit utilization, which leads to a better credit score. The card is a good credit-building tool. If you use the card and responsibly manage your payments, your credit rating will become better over time.

Rates and Fees

As with any unsecured credit card designed for bad-credit consumers, the First Access Visa Card has a high APR, an annual fee, and a one-time processing fee. Due to the intrinsic risks associated with subprime customers who are more likely to default on their debts, it is common for subprime cards to have high APR and fees to offset the risks.

Is this the right card for you?

If you have damaged credit and are looking to repair your credit, the First Access Visa Card is a good credit card to build credit. Unlike a secured credit card, it is an unsecured card and you don’t need to make a security deposit. It is a VISA card that can be used almost everywhere. It has an easy online application and you can receive an instant approval. It reports to all three major credit bureaus of Experian, TransUnion, and Equifax. As long as you make payments on time, this card will be the perfect tool to help you re-establish your credit.

Similar Cards for Credit Building

If you are interested in the First Access Visa Card, you may also consider a few other credit-building cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Capital One® Secured Mastercard®

26.99% (Variable) APR

26.99% (Variable) APR

No balance transfer fee

$0

Limited, Bad CreditLearn MoreView Card Details
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Capital One® Platinum Credit Card

26.46% (Variable) APR

26.46% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditLearn MoreView Card Details
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Fingerhut Credit Account

See Issuer Website

See Issuer Website

None

Bad CreditLearn MoreView Card Details
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
  • Enter promo code NC761 at checkout to receive $25 off your order of $100 or more with a new, approved Fingerhut Advantage Credit Account issued by WebBank. Offer ends 11:59pm CT 1/31/19. Promo code only valid with applications approved online and with purchases made online at www.fingerhut.com with your new account.
Journey® Student Rewards from Capital One®

26.46% (Variable) APR

26.46% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditLearn MoreView Card Details
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
OpenSky® Secured Visa® Credit Card

19.39% (variable) APR

19.39% (variable) APR

$35

Poor CreditLearn MoreView Card Details
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Not an access card
  • Enter promo code NC761 at checkout to receive $25 off your order of $100 or more with a new, approved Fingerhut Advantage Credit Account issued by WebBank. Offer ends 11:59pm CT 1/31/19. Promo code only valid with applications approved online and with purchases made online at www.fingerhut.com with your new account.
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
  • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued.
  • No credit check necessary and no checking account required; apply in less than 5 minutes.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
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