First Phase Visa® Card review

Do you need to repair or build your credit from scratch? Check out the First Phase Visa® Card review, and find out more about how it can fix it. Read on!


by Suzana Brito

Published on 11/18/2022

First Phase Visa® Card: Take your credit score out of rock bottom!

First Phase card on a green background
Save your credit score with this card! Source: First Phase facebook

If your credit score is below 600, you may feel like you’re out of options. But the First Phase Visa card review could be the perfect solution for you!

First Phase card logo

How to apply for First Phase Visa® Card

The First Phase Visa® Card application process is uncomplicated. Find out the must-have requirements and where to apply. Read on!

With this card, you can work on fixing your credit and getting your score back up. So don’t despair – there is still hope! Keep reading to understand how it works.

  • Credit Score: Fair, Poor, No Credit Required;
  • Annual Fee: $75 for the first year, then $48 yearly;
  • Regular APR: 34.99% fixed;
  • Welcome bonus: It doesn’t come with a welcome bonus;
  • Rewards: It doesn’t offer any rewards.

First Phase Visa® Card: how does it work?

The First Phase Visa® Card is a credit card that is perfect for those who are looking to build or rebuild their credit. It is the basic card from the Bank of Missouri.

The credit card issuer reports your payments to the three major credit bureaus, which helps to improve your credit score over time.

Still, they recommend that your payments must be paid on time, so it helps you improve your score.

The APR of 34.99% on the First Phase Visa® Card is high, but this is typical for this type of credit card.

The First Phase Visa® Card is easily manageable and offers zero liability in case your card is stolen or lost.

Additionally, the credit limit on the First Phase Visa® Card starts at $300, which allows you to increase your credit limit over time.

The First Phase Visa® Card is a great option for those who need to find the key to good credit.


First Phase Visa® Card: should you get one?

happy woman celebreting
Weigh the advantages and drawbacks to see if this card matches your needs. Read on! Source: First Phase facebook

Overall, First Phase Visa® Card is a good option for people working to improve their credit score. The pros and cons will enhance your chances of getting the right card.



  • Get your credit score up in no time;
  • The application process is simple and online;
  • Limit management lets you stay in control;
  • Accepts low scores, so you don’t have to be perfect to get approved;
  • The chances of approval are great, so there’s no need to worry.


  • Annual fee;
  • High APR.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

The First Phase Visa® Card has a very flexible credit score rate since it aims to support your way to bringing up credit.

It means that this credit card is available for fair, poor, or no credit at all.

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

There’s no better time than now to get your first taste of the First Phase Visa® Card! We can teach you how to apply for it in the article below.

First Phase card logo

How to apply for First Phase Visa® Card

The First Phase Visa® Card application process is uncomplicated. Find out the must-have requirements and where to apply. Read on!

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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