SuperMoney
Explore
Visit Site

Learn more about First Access Visa® Card

Visit First Access Visa® Card's website for more information.

Visit Site
x No thanks, not right now
Advertiser Disclosure
  First Access Visa® Card
Visit Site

First Access Visa® Card

in Personal Credit Cards from The Bank of Missouri

Claimed Visit Site

First Access Visa® Card

Claimed

in Personal Credit Cards from The Bank of Missouri

Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33

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.

Rating not yet determined  

2 users recommend
0 users are unsure
1 user doesn't recommend
Browse Reviews: 2 Recommendations | 1 Complaints
Cast your vote

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

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Community Rating

Rating not yet determined  
Purchase APR  (Variable APR) 34.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $75

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.

Key Takeaways
  • 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 accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
First Access Visa® Card Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor credit.
  • First Access Visa® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $75
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
First Access Visa® Card FAQ

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

What are the fees for First Access Visa® Card?

The following fees apply to First Access Visa® Card:

First Access Visa® Card Fees
Fees Amount
Annual Fee $75 (Annual fees vary by year)
Initial Program Fee $95
Returned Payment Fee up to $40
Late Payment Fee up to $40

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

Yes, First Access Visa® 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® 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 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® Card Disclosure: * Initial program fee of $95 (one-time fee) Annual fee $75 for first year. After that $48 annually.
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
  •   The Bank of Missouri
    PO Box 85710
    Sioux Falls, SD 57118
  •   Visit Site

About First Access Visa® Card

Icon for Personal Credit Cards
View all personal credit cards offered by The Bank of Missouri
View The Bank of Missouri Profile

Availability

  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 $95
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $75
Minimum Interest Charge $1
Returned Payment Fee Up to $40
Paper Statement Fee $3
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 34.99%
Balance Computation Average Daily Balance (including new purchases).
Credit Limit Up to $300
Purchase APR (Variable APR) 34.99%
Card Type
  • Bad Credit
Card Network Visa

First Access Visa® Card Community Reviews

 

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

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+33

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.

sorted by

Other Personal Credit Cards

Strongly recommended

18 Reviews

Strongly recommended

12 Reviews

Strongly recommended

13 Reviews

View All

The Bank of Missouri Personal Credit Cards

Loading...
Browse Personal Credit Cards
SuperMoney
Goals
Partner with us
SuperMoney
Goals
Partner with us
Go to homepage

NMLS Consumer Access ID #1520999

Copyright 2021 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.