Card Details

Regular APR:	34.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(300 – 669) Bad/Average/Fair
Annual Fee:	$75 for first year, then $48
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
$300 initial credit limit
Checking Account Required
Easy and secure online application
Reporting monthly to all three major credit reporting agencies
First year annual fee $75 then $48 for all subsequent years
Perfect credit not required for approval; we may approve you when others won?t
If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
Cash advance fee waived for first year
Get the security and convenience of a full-feature, unsecured Visa Credit Card – accepted at millions of merchant and ATM locations nationwide and online

Is First Access Visa worth it?

First Access Visa is a solid card for people looking to rebuild their credit. It’s available to people with bad credit and doesn?t require a deposit. It will not be surprising then that it has high fees.

Pros

Rebuild your credit
Monthly reporting to all three major credit reporting agencies
Available to people with bad/fair credit scores

Cons

$89 one-time program fee
Monthly servicing fee of $6.25 after the first year
$75 annual fee for first year, then $48
Very high APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3%, whichever is greater
Cash Advance Fee	Either $10 or 5%, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with First Access Visa

Editorial Note: This content is not provided by the issuer. Any opinion, 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 the issuer.

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