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If you're working hard to get your credit back on track, this card makes it a little easier

First Access Visa® Card: Start right away to rebuild your credit!


Would you like to have a more solid credit score? The First Access Visa® Card can help. This card offers 24/7 live customer service, fraud protection, and access to purchases anywhere that accepts Visa! Plus, your payments are reported to the credit bureaus, and you can manage everything about your account online with mobile banking.


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First Access Visa® Card can be the first step to improving your credit score. Get started by learning the advantages of getting it.

Get your credit score up in no time;
Easy online application process that only takes a few minutes;
Payment reports to all major credit bureaus;
No need for high credit score to qualify.

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Dive into the world of credit with the First Access Visa® Card, a card tailored for those who might not have a stellar credit history but are keen on embarking on a credit-building journey.

Strengths and Special Offerings

  • Acceptance for All Credit Types: Whether you have a tarnished credit history or are just starting out, First Access Visa® Card extends its embrace, offering a chance for everyone to build or rebuild their credit.
  • Report to Major Credit Bureaus: Elevate your credit score by making timely payments! First Access Visa® Card regularly reports to the three major credit bureaus, potentially aiding in enhancing your credit profile.
  • Manageable Initial Credit Limit: Start with a manageable credit limit that can help you ease into the credit world, ensuring you don’t get overwhelmed.
  • Secure Online Access: Dive into your account details anytime, anywhere. With 24/7 online account access, tracking your spending and managing your account becomes a breeze.
  • Customizable Card Design: Personalize your plastic! Choose a card design that resonates with your style, adding that personal touch to your wallet.

Limitations to Consider

  • Annual Fee: The First Access Visa® Card comes with an annual fee, adding to the card’s overall cost.
  • Higher APR: The card carries a relatively higher APR compared to some other cards in the market, which can be a consideration if you often carry a balance.
  • Additional Fees: Expect to pay a program fee for the initial card setup and potential monthly servicing fees after the first year.
  • No Rewards Program: While tailored for credit-building, the card does not offer any rewards or cash back incentives on purchases.

The First Access Visa® Card serves as a beacon for those looking to step into the credit arena or repair their credit history.

While the card presents an array of opportunities to foster financial growth, it’s vital to consider the associated fees.

If your primary goal is credit enhancement and you’re ready to navigate the costs, this card can be your steadfast ally on your financial voyage.

No, the First Access Visa® Card does not offer rewards. It’s a credit rebuilding card that helps people who have had difficulty obtaining traditional credit products to start rebuilding their credit history. It’s a great option for those who have made mistakes in the past and need to begin reestablishing good credit habits.

No minimum credit score is required for the First Access Visa® Card. You can be approved with a poor or bad credit score.

The First Access Visa® Card reports your account activity to all three major credit bureaus, so it can help you build a strong credit history. Also, it’s made for poor credit customers. And you can use it to improve your credit without putting any extra money at risk.

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!

Are you looking for other alternatives for bad credit? If you like Horizon outlet, try their card. You can exclusively use the Merit Platinum Card at this store.

Still, it’s a suitable option for customers that want to rebuild or start their credit score from zero. It offers a credit limit of $750.

Plus, you won’t be paying APR either. It’s a nice affordable card for bad credit. Learn more about it and how to apply in our post below.

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!

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