First Access Visa® Card application: how does it work?

Want to know more about the First Access Visa® Card? We break down the application process, eligibility requirements, and more. Read on!


First Access Visa® Card: Easy application!

First Access Visa® Card
Understand how to apply for this credit card and improve your bad credit. Read on! Source: The Mad Capitalist

Are you feeling discouraged because of your low credit score? Well, we have some good news for you. With First Access Visa®Card, you can start rebuilding your credit history and improve your credit score.


Credit Card

First Access Visa®

bad credit apply online

Fast and save online application. Accepts not-so-good scores.

You will be redirected to another website

We will teach you how to apply for the card so that you can get started on the path to financial success. Let’s get started!

Apply online

The First Access Visa Card is designed for people with little credit history. It’s a great way to start building your credit, and it’s easy to apply.

So, here are the steps you need to take to apply for the card:

  1. Firstly, navigate the First Access Visa Card website and click “Apply Now.”;
  2. Secondly, fill out the application with your personal information, including name, address, Social Security number, and date of birth;
  3. Then indicate that you’re interested in the card’s special promotional offer and click “Submit.”;
  4. Review your application and make sure the information is accurate. Click “Submit” once you’re satisfied;
  5. After that, you’ll receive a notification within minutes that your application has been received. You’ll receive an approved answer in about 60 seconds; 
  6. Pay the one-time $95 program fee;
  7. Finally, download the First Access Visa® Card app, activate your card, and start using it.


The requirements to get a First Access Visa® Card are standard.

They accept applicants 18 years old or older, who have a valid social security number, and who are authorized residents or citizens in the U.S.

Also, they charge a one-time payment fee to open the account. Consumers with bad or poor credit are welcome to apply and have great chances of approval.

Apply using the app

woman showing cell phone
Use the app to manage your account! Source: The Mad Capitalist

There aren’t any options to apply for First Access Visa® Card through the app. Subscriptions are available on the website.

However, you can activate your card in the mobile app and use your account.

First Access Visa® Card vs. Merit Platinum Card

What differs them is mainly with the First Access Visa® Card. You can make purchases in any store with a $300 credit limit.

Merit Platinum Card is exclusive to buy at Horizon outlet. The credit limit is $750.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

First Access Visa® Card

  • Credit Score: Fair.
  • Annual Fee: $75.00 1st year, $48.00 after.
  • Fees: $95 one-time program fee, $8.25 monthly fee after the 1st year, up to $41 in late and return payment fees.
  • Regular APR: 35.99% on purchases and balance transfers.
  • Welcome bonus: There’s no welcome bonus.
  • Rewards: 1% cashback on payments made to your card.

Merit Platinum Card

  • Credit Score: Fair, poor (no minimum credit scores);
  • Annual Fee: $177.24 annually ($14.77 per month);
  • Regular APR: None;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Do you want to give the Merit Platinum card a try? So, jump to the complete application guide.

Merit Platinum credit card

How to apply for Merit Platinum card

Learn how to apply for the Merit Platinum card, perfect for consumers looking to rebuild their credit score. Keep reading!


About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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