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Last Updated: 07/28/2025

First Access Visa® Credit Card

from First Access Card

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended13 total votes

5 users recommend

2 users are unsure

6 users don't recommend

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Highlights

Community Rating

Mostly not recommended

Purchase APR (Fixed APR)

35.99%(Verified 08/28/2024)

Disclaimer popup with additional information

Balance Transfer APR (Fixed APR)

N/A(Verified 08/28/2024)

Credit Score Range

550 - 620

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Annual Fee

$48 - $75

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Number of Reviews

First Access Visa® Credit Card Review

This is a cashback credit 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

APR: 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 poor credit.

Pros & Cons of First Access Visa® Credit Card

The Good

The Bad

Considers applicants with fair credit.
Cardholders can earn rewards on purchases everywhere First Access Visa® Credit Card is accepted.
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.

First Access Visa® Credit Card Rewards Breakdown

Description

Every Purchase

1 % cash back

Does First Access Visa® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does First Access Visa® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.

First Access Visa® Credit Card has a fixed purchase APR of 35.99%. First Access Visa® Credit Card does not offer balance transfers. It also has a fixed cash advance APR of 35.99% .

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

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

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

This card does not offer an intro APR rate on new purchases.

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

First Access Visa® Credit Card Fees

Description

Returned Payment Fee

Up to $41

Annual Fee

$48 - $75 (see terms and conditions)

Paper Statement Fee

Starting at $3

Late Fee Amount

Up to $41

Minimum Cash Advance Fee ($)

Starting at $10

Cash Advance Fee (%)

Up to 3%

Initial Program Fee

$95

This card charges an annual fee ranging from $48 up to $75.

What is the customer service phone number for First Access Visa® Credit Card?

The customer service number for First Access Visa® Credit Card is (877) 259-3755.

What is the support contact email for First Access Visa® Credit Card?

The support contact email for First Access Visa® Credit Card is info@firstaccesscard.com.

How do people rate the customer service and user experience of First Access Visa® Credit Card?

Overall, First Access Visa® Credit Card is mostly not recommended based on community reviews that rate customer service and user experience.

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

Yes, First Access Visa® Credit Card reports to the following credit bureaus:

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 build your credit.

Does First Access Card perform a hard credit pull?

Yes, First Access Visa® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for First Access Visa® Credit Card

Visit the website of First Access Visa® Credit Card.
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.

First Access Visa® Credit Card Disclosure: * Initial program fee of $95 (one-time fee) Annual fee $75 for first year. After that $48 annually. See https://images.totalcardinc.com/documents/terms/RFCL_202304F01_3.pdf for more details.

View First Access Visa® Credit Card's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

PO Box 89028

Sioux Falls, SD 57109

(877) 259-3755

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -8, or 2.8 on a 5-point rating scale.

-8

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

First Access Visa® Credit Card Community Reviews

Would you recommend First Access Visa® Credit Card to your friends?

Gina M.

Nov 9, 2023

May or may not recommend

This card allowed me to build my credit very quickly and then I was able to increase the card limit in a short period of time as well. I felt like there was great flexibility, good customer service, and the app is very mobile friendly.

Liz S.

Dec 9, 2022

May or may not recommend

I paid my account balance in full 7 days ago and I still do not have any available credit.

Christine R.

May 7, 2022

May or may not recommend

I had this card when Covid hit. It was a nightmare. I lost my job, and they refused to change my due date. They just kept tacking in late fees until I was over my limit and then they added over the limit fees. Terrible company.

Kayla P.

Feb 25, 2022

May or may not recommend

They did approve me for a car but it's be nice if the offered some kind of rewards with it like most other cards.

Robyn F.

Jan 12, 2022

May or may not recommend

I wouldn’t recommend this card. The interest rate is high, and the annual fee is high.

Omolola A.

Jan 5, 2022

May or may not recommend

I got this credit card to complement my first card. Unfortunately, this card does not do that. My credit score doesn’t improve as expected even though my credit utilization ratio is always below 10%. And imagine, I was charged a whopping $75 at the end of the year for using a credit card. Honestly, this card is just a bit better than equals.

Misty H.

Aug 28, 2021

May or may not recommend

I've tried applying for First Access but was denied they say they help get you a credit card if you have bad credit but that is not true. They denied me and my credit at the time was poor.

Shadrack H.

Apr 24, 2021

May or may not recommend

They tried locking my in a weird contract, I wasn’t going for it because they started to speak about all these percentages, just don’t bank with these people

Layla D.

Apr 23, 2021

May or may not recommend

I have used this card before it has never given me problems. Easy to use snd convenient.

Ashley B.

Apr 16, 2021

May or may not recommend

I was looking for a card appropriate for not carrying balance and first access visa card was the solution. Unlike other cards that doesn’t accept bad credit, access visa card actually does. With a verifiable purchase APR of 34.99%, I strongly recommend the card. It is worth a trial.

Gaby R.

Nov 11, 2020

May or may not recommend

Because of a lot of poor choices when I was young and dumb, I unfortunately do not have great credit. I was honestly scared that I would never be able to get approved for a credit card. But I was really happy that first access allowed me to get a credit, even with my not so good credit. Also, because they report to a coupe different credit agencies, my score ...Show More

Marshall B.

May 26, 2020

May or may not recommend

This is a good çard for rebuilding credit. Keep it good they raise your limit every 6 months.