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First Access VISA® Credit Card

First Access VISA® Credit Card


Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!

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  • Regular Purchase APR See Terms*
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms*
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Checking Account Required
  • 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
  • Get a result in as little as 60 seconds upon completion of the online application
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Online Customer Center available 24 x 7
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Ongoing Information

Rewards Rate See Terms*

Annual Fee See Terms*

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The First Access VISA® Credit Card is a good choice if your credit is not that great, but you don't want to put down a security deposit on a secured credit card. With this card, you can apply quick and easy online and get a decision in a minute or less.

If approved, you'll enjoy the worldwide acceptance that comes with carrying a Visa credit card. There's not any specific rewards program with this card, but that's pretty normal for a card for consumers who might not have good credit.

The APR on purchases is a steep See Terms*, so it's best to pay your balance off in full every month if you are able. 

Expert Reviews of the First Access VISA® Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 2.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

This is a basic credit card designed for consumers who don't have great credit. There's no specific rewards or perks with this card, but it can help you build credit over time with responsible use.

The Good

The First Access VISA® Credit Card doesn't require a security deposit to get approved, so it could be a good choice for someone looking for an unsecured credit card to build credit. Also, since it's a Visa card, you won't have to worry about your card getting turned down at most merchants.

The Not so Good

The APR is very high on this card, so if you carry a balance you could rack up a lot of interest charges very quickly.

Editorial Note: This content is not provided by Bank of Missouri. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of Missouri.

Consumer Reviews

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Offer Rating


6 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

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