First Access Visa® Card review

You may have heard of the First Access Visa® Card, but are you looking for a review? If so, this is the right place! Find out if it's worth it to spend your money on one.


First Access Visa® Card: Is it fools gold?

First Access Visa® Card
Is this credit card worth it? Read on to understand! Source: First Access Card

In this First Access Visa® Card review, you can find out if the Bank of Missouri card is your jam.

First Access Visa® Card

How to apply for First Access Visa® Card

Learn how the First Access Visa® Card application works and why you should consider applying for this credit card. Keep reading!

So, if you are considering applying for this card, read this post first. Learn more about how it works and how much you’ll need to pay for it. Let’s get started!

  • 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.

First Access Visa® Card: how does it work?

Worried and desperate entrepreneur young man calculating bills tax expenses and counting business or home finances sitting on couch at home in paying off debts banking and financial problems concept.
Stop struggling with bad credit. This card can help you rebuild your score. Learn more! Source: Adobe Stock

The First Access Visa® Card is one of the cards from the Bank of Missouri from Visa U.S.A. Inc. Who is it for? People with a bad score are trying to get their finances back in control. 

However, it is slightly expensive to maintain, with fees to be paid before the account opening.

On the good side, the First Access Visa® Card reports your history to major credit bureaus in the U.S each month. Consequently, slowly improve your score and creditworthiness.

Overall, this card comes with many fees, so there are better options than this one if you are trying to save money.

First Access Visa® Card: should you get one?

Plenty of cards are out on the market, but personal interest will define your right one. The pros and cons might be a good way to learn more about the First Access Visa® Card.


  • Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • Checking Account Required.
  • $300 credit limit (subject to available credit).
  • No security deposit, simply pay a one-time $95 program fee to open your account.*
  • User friendly Mobile App.
  • *See Rates, Fees, Costs & Limitations for complete offer details.
  • See First Access Rewards Programs Terms & Conditions for details.
  • Reporting monthly to all three major credit reporting agencies.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application.
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.


  • It charges a one-time program fee.
  • The APR is above-average.
  • It’s expensive to keep.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

Qualifications for the First Access Visa® Card don’t require high credit scores. Customers with bad credit can apply, and there are substantial approval changes.

First Access Visa® Card application: how to do it?

Get started with your First Access Visa® Card application by checking out our post below.

First Access Visa® Card

How to apply for First Access Visa® Card

Learn how the First Access Visa® Card application works and why you should consider applying for this credit card. 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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