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First Access Visa® Card

in Personal Credit Cards from The Bank of Missouri

Unaffiliated Visit Site

First Access Visa® Card

Unaffiliated

in Personal Credit Cards from The Bank of Missouri

Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Community Rating

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Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $75
Purchase APR  (Variable APR) 34.99%

First Access Visa® Card Review

First Access Visa® Card is a credit card issued by The Bank of Missouri. If you're wondering whether First Access Visa® Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 34.99%
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $75.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.

Is there a First Access Visa® Card cash back or rewards program?

No, First Access Visa® Card does not offer a rewards program.

What are the relevant APRs for First Access Visa® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Access Visa® Card has higher than average purchase APRs.

First Access Visa® Card has a variable purchase APR of 34.99%. It also has a variable cash advance APR of 34.99% .

Does First Access Visa® Card have an introductory APR offer on balance transfers?

No, First Access Visa® Card does not come with an introductory APR offer for balance transfers.

Does First Access Visa® Card have an introductory APR offer on new purchases??

First Access Visa® Card does not offer an introductory rate on new purchases.
First Access Visa® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the First Access Visa® Card fees?

The following fees apply to First Access Visa® Card:

First Access Visa® Card Fees
Fees Amount
Annual Fee $75
Initial Program Fee $89
Returned Payment Fee up to $39
Late Payment Fee up to $39

How to apply for First Access Visa® Card

  • Visit the First Access Visa® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Contact

  • Headquarters
  •   The Bank of Missouri
    PO Box 85710
    Sioux Falls, SD 57118
  •   Visit Site

About First Access Visa® Card

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View all personal credit cards offered by The Bank of Missouri

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 48 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Initial Program Fee $89
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Annual Fee $75
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Paper Statement Fee $3
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Rewards Type No Rewards
Cash Advance APR (Variable APR) 34.99%
Purchase APR (Variable APR) 34.99%

First Access Visa® Card Community Reviews

 

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The Bank of Missouri Personal Credit Cards

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Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Total Visa® Unsecured Credit Card

Total Visa® Unsecured Credit Card

2
 
3
5 total votes
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 640     300 850
Annual Fee $75 Annual Fee
Purchase APR 34.99% Variable APR
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 640     300 850
Annual Fee $99 Annual Fee
Purchase APR 29.99% Variable APR