First Access Visa® Credit Card Review

Even if you have a bad or no credit history, the First Access Visa® Credit Card might give you a little boost in your credit score. Fees and an extremely high annual percentage rate (APR) come with this hike.

No security deposit is needed to apply for the First Access Visa® Credit Card because it’s not a secured credit card. This is wonderful news for anyone who needs to enhance their credit but doesn’t have access to instant funds.

Suggested Read: Surge Credit Card Review 2021

First Access Visa® Features

The First Access credit card has a slew of benefits that make it an excellent choice for those looking to improve their credit. This card’s most notable features are as follows:

  • Does Not Require Perfect Credit for Approval
  • Get a Response in as Little as 60 Seconds
  • Unsecured credit card
  • Quick and Easy Secure Online Application
  • Perfect credit not required
  • Total Visa credit card applicants must have a minimum of 680 credit scores.
  • Credit rating: good or poor
  • A maximum of $300 in available credit (subject to available credit)
  • Straightforward Online Application Methodology
  • Qualify Easily (Perfect Credit Not Required)
  • All three major credit bureaus receive monthly reports.
  • Use online access to manage your account at any time of day or night.
  • Expedited Processing will expedite the delivery of your card (additional fee applies)

Things to Consider

There’s no escaping the reality that the First Access Visa® Credit Card charges a slew of fees. Using this card becomes even more expensive in the second year due to the monthly service costs.

You’ll have to wait a year before you can request an increase in your credit limit, and doing so will incur an additional fee.

In spite of the fact that most financial experts advise against using a credit card to receive a cash advance, it’s still worth remembering that your First Access Visa® Credit Card won’t let you get cash out until at least 90 days or three billing cycles after starting your account.

Basic Information About Building Credit on Your Visa® Card

While the First Access Visa Credit Card comes with a high annual fee, it can help you build credit if you utilize it wisely. Overspending and going into debt are less likely if you start with a low credit limit. By paying off your outstanding debt in full each month, you’ll build the kind of responsible conduct that lenders seek when evaluating a borrower’s creditworthiness.

Cash advances have other restrictions, such as a waiting period before you can use it and a limit on how much of your credit limit is still outstanding. This is done to discourage people from using cash advances on a frequent basis.

First Access Visa® Credit Card Fees

This card comes with a slew of fees, in part because the card issuer is taking on greater risks by giving unsecured loans to those with less than stellar credit histories.

For example, if you’ve had a late payment or return fines in the last six billing cycles, you’ll pay more this time around. There’s also a charge for increasing your credit card limit. You will not, however, be charged overage costs or accrue a penalty APR.

What Does It Have in Common With Other Credit-Building Cards?

A good choice if you haven’t been authorized for a regular credit card is the First Access Visa® Credit Card. This card’s low APR and no monthly service fee make it an excellent credit-building choice for those who need to build credit quickly. The annual fee for the Indigo Platinum Mastercard is graded based on creditworthiness, but even with a maximum annual fee of $99, the lack of monthly servicing fees still makes it a cheaper alternative to First Access Visa® Credit Card.

The Capital One Platinum Secured Credit Card is the best option if you want to avoid paying an annual fee. In return, you’ll obtain a $200 credit limit and be required to put down a security deposit.


While this isn’t a travel or rewards card, it does give cardholders a way to start over with their credit.

A Credit Limit That’s Not Excessive

Because the card is unsecured, a $300 credit limit is appropriate. One thing to keep in mind is that the first year’s $75 yearly charge will be removed from this total limit.

Additional Cards Are Permitted

Get a second card for your spouse or partner if you require it. You’ll have to pay an additional annual fee, and you’ll have to budget together to get the most of the card.

Costs and Charges

The disadvantages of the First Access Visa®, like those of many other credit-building cards, are tucked away in the fine print. Even for a card intended for people with bad credit, the interest and maintenance fees on this card are astronomical.

What Are the Benefits of a First Access Visa Over Other Cards?

  • People with bad credit can get a credit card with First Access Visa®, an unsecured card that doesn’t require a deposit.
  • With this card, persons with bad credit can rebuild their credit history by getting new credit and using it responsibly.
  • As a result of this card, your credit history will be reported to all three main credit card bureaus, helping you to establish credit in the future.
  • A credit limit of $300.00 is common for this sort of card, but you may be eligible for a higher credit limit later on. You may complete the entire application online in just a few minutes.
  • In all honesty, the First Access Visa® Card’s uniqueness isn’t all that impressive.
  • When it comes to credit cards for restoring credit, this one has some of the highest fees.

Is It Worth It to Apply for the First Access Visa® Credit Card?

With a low credit score, the First Access Visa® can be an expensive alternative if you need a credit card right away. It wouldn’t be a good credit card option if it wasn’t available to people with bad credit.

Most customers would be better suited to saving up for a deposit on a secured card like the Discover it Secured Credit Card from issuers like Credit One.


  • Rebuilding your credit is now possible.
  • Unsecured
  • $0 fraud liability if your card is lost or stolen
  • All credit histories considered for this no security deposit credit card


  • High Annual Percentage Rate
  • High rates each month and year
  • There are no incentives.

What We Think

The First Access Visa® Card isn’t the most affordable unsecured credit card for people with bad credit, but that’s to be expected. In addition to having a high APR, this program has a significant one-time program cost and an annual fee that is subtracted from your available credit.

As a result, the First Access Visa® Card is a subprime credit card. As a result, the credit requirements are extremely flexible, making it available to a wide range of credit types. Furthermore, submitting an online application is simple and quick; you’ll receive a decision within minutes of doing so.


What exactly does it imply when someone says they are “data-driven?”

Every operation generates a corresponding amount of data. When you’re data-driven, you go out and get the information you need, look for trends, and then utilize that information to guide your future actions. Companies that are data-driven are aware of the opportunity for continuous development. They rely on the data they collect to determine how they should evolve over time.

Disclaimer: All the information published here are for informational and educational purposes only. Moreover, all these information are researched from official sources. However, we will not warranty the information to be accurate and completed. Do not share your bank details or personal details in the comment box. For more queries visit the official website.

Leave a Comment