First Access Visa® Card

Perfect credit not required for approval; we may approve you when others won’t

Intro Purchase APR


Annual Fee

$75.00 1st year, $48.00 after*

Rewards Rate

1% Cash Back

Credit Needed


Regular Purchase APR


Credit Brand Visa®

Card Details Hide Details

Credit Card Details

Additional Info

  • Regular APR: 35.99%*
  • Cash Advance APR: 35.99%*
  • Annual Fee: $75.00 1st year, $48.00 after*
  • Late Payment Fee: Up to $41.00*
  • Return Payment Fee: Up to $41.00*
  • Program Fee: $95.00*
  • Cash Advance Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
  • Reports to Consumer Reporting Agencies: Monthly to all 3 major bureaus
  • Credit Recommended: Fair
  • Credit Limit: $300
  • Rewards Rate: 1% Cash Back
  • Card Brand: Visa®
Rated 4.8 out of 5
4.8 out of 5 stars (based on 11 reviews)

Need to build up my credit

Rated 4 out of 5
May 29, 2023

I have been in this state for fifth years and I have not been able to get no credit.please explain to me what is the problem problem about me getting any credit.i want to have things for my self so th

Need to get some things for my self.please explain to me.why I can’t get any credit.Thank you! God bless you 😇


It's ok

Rated 5 out of 5
July 6, 2022

It’s ok

Jessica Dalton

First Access Visa

Rated 5 out of 5
January 20, 2021

I’ve been turned down by many in the past, I am very thankful that First Access gave me a chance.



Rated 5 out of 5
April 19, 2020



A Longtime Customer

Rated 5 out of 5
January 14, 2019

I am satisfied with this card. I have a low monthly payment. Credit limit increases are available with good outstanding payment history. Only thing is the increases are $50. Well better than nothing.


Great card to rebuild ypur credit with!!

Rated 5 out of 5
December 18, 2018

Thank you so much for the opportunity to improve my credit rating by accepting me as a credit card holder.

Linda Aglietti

Rebuild my credit.

Rated 4 out of 5
October 15, 2018

Hi, I have poor credit of about 550. I didn’t think I would be approved when I filled out the simple app. To my surprise I was excepted. Yes their high on their rates but their taking a chance on me. I intend to use this card with respect. Thanks Oneda.

Oneda Gaines

It has been years since I had a chance to get help from a credit card company

Rated 5 out of 5
September 29, 2018

I is good to simply try to get help for your credit and build it up at the same time .. To be able to.have a back.up plan in case of a emergency arose and you had to something in a certain time.

Terry L JacksonWas looking for way to improve my credit rating and have a credit card for emergency or if something happens


Rated 5 out of 5
August 20, 2018

I haven’t been able to get a credit card in 10 years! Thank you First Access for the opportunity.


Very interessant thank you , like

Rated 5 out of 5
June 7, 2018

I call for virified alls corp and banck customer services thank you

Franco orlandi

Great card for building credit!!!!

Rated 5 out of 5
May 24, 2018

I was looking for a simple way to start building my credit. The card does the job. I’ve keeping tabs of my credit score. The key is to make all your payments on time, EVERY TIME. Hope this helps!!!!!

Darius Wilksons

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