First Access Visa® Credit Card

First Access Visa® Credit Card Review

This is a cashback card issued by The Bank of Missouri. If you're wondering whether First Access Visa® Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 35.99%
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of First Access Visa® Credit Card

The Good	The Bad
Considers applicants with fair credit. Cardholders can earn rewards on their purchases. First Access Visa® Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee as low as $48. up to $75 (Annual fees vary by year) Does not offer a signup bonus. Rewards bonus rate of only 1% on purchases. Terms apply*.

First Access Visa® Credit Card FAQ

Does First Access Visa® Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

First Access Visa® Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	1x
Annual rewards limit	N/A

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

First Access Visa® Credit Card has a fixed purchase APR of 35.99%. It also has a fixed cash advance APR of 35.99% .

What are the fees for First Access Visa® Credit Card?

The following fees apply:

First Access Visa® Credit Card Fees

Fees	Amount
Annual Fee	Starting at $48 up to $75 (Annual fees vary by year)
Overlimit Fee	$
Initial Program Fee	$95
Foreign Transaction Fee	%
Returned Payment Fee	Starting at $ up to $41
Late Payment Fee	Starting at up to $41

This card charges a $48 annual fee.

Does First Access Visa® Credit Card report your account activity to credit bureaus?

Yes, First Access Visa® Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for First Access Visa® Credit Card

• Visit the First Access Visa® Credit 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.