Last Updated: 07/28/2025
First Access Visa® Credit Card
Claimed
in Credit Cards from First Access Card
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -8
Mostly not recommended13 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Fixed APR)
35.99%(Verified 08/28/2024)
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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
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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.
| 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?
| 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.
What is the login page for First Access Visa® Credit Card?
You can access the login page of First Access Visa® Credit Card here.
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
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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