Credit Cards
First Access Visa® credit card review
Rebuilding a damaged credit score is not easy, but it is possible with a card like the First Access Visa credit card. This review will show you how it works and if it's worth it.
Advertisement
Understanding First Access Visa® credit card: a real credit card for people with bad credit.
This First Access Visa® credit card review is for you who want a credit card but don’t have the cash to put down as a deposit. Or maybe you’ve had some financial troubles in the past and your credit score isn’t looking so great.
How to get the First Access Visa® credit card?
Apply for your First Access Visa® credit card and rebuils your credit score with this $300 unsecured credit line. No credit check is required!
First Access Visa might be the perfect solution for you. This card comes with a $300 credit line, and no deposit is required. Plus, it can help rebuild your credit score over time. So if you’re looking for a way to get your finances back on track, First Access Visa is definitely worth considering.
- Sign-up bonus: No sign-up bonus
- Annual fee: $75 annual fee
- Rewards: No rewards
- Other perks: Build credit score,
- APR: 34.99% APR
First Access Visa® credit card: is it a good card?
Many people out there are facing a low-credit-score problem. They need credit, but can’t get any credit line because of damaged credit history. For these people, a First Access Visa credit card may be a solution.
The only eligibility requirement for this card is to be at least 18 years old and declare yourself capable of handling financial products. So, no credit check will be made, and you can get a $300 credit line easily.
However, this card has some drawbacks. They charge many fees, such as a $95 programing fee, a $75 annual fee, and an $8.25 monthly fee (starting in the second year). The APR rate is also nothing enjoyable. If you carry a balance on this card you will face a high 34.99% APR.
So, if you have some sort of emergency that requires extra resources and you can not apply for a loan, you can apply for the First Access Visa. Make sure to use it briefly and take care with the high APR.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
First Access Visa® credit card: should you get one?
These types of credit cards for people with no credit score have some important aspects to keep an eye on. It has some benefits, but you should look at the fine prints in the Rates and Fees disclosure too. Read carefully this First Access Visa® credit card review.
Benefits
- No credit check
- $300 unsecured credit line
- Reports your credit history to all three major credit bureaus, so you’ll build a credit score.
Disadvantages
- High fees. You’ll pay at least $170 fees in your first year and $147 in the second year ahead. With just $50 added to this amount, you can get a secured credit card at a better cost.
- No rewards program or welcome bonus.
- The interest rate is hefty, even higher than some personal loans.
What is the required credit score?
Applying for this card is pretty easy, as it does not require any credit score check. You can apply online and get an answer in just a few minutes. To learn everything about the application process, click the following content.
First Access Visa® credit card application
You can apply with any credit score you have, or even with no credit score at all. First Acess will not make any inquiry on your score to approve you for the credit line.
How to get the First Access Visa® credit card?
Apply for your First Access Visa® credit card and rebuils your credit score with this $300 unsecured credit line. No credit check is required!
About the author / Julia Bermudez
Trending Topics
Wells Fargo Autograph℠ Card application
Apply for the Wells Fargo Autograph℠ Card and enjoy premium rewards like bonus points on purchases and no annual fee!
Keep ReadingExtra debit card review: is it worth it?
Most debit cards don't give you benefits. But this Extra debit card review will show you how to build credit and get rewards using this card.
Keep ReadingCryware: the malware that’s targeting crypto hot wallets
There’s a new malware targeting crypto hot wallets. The Cryware info-stealing strategy can cause irreversible damage to investors’ funds.
Keep ReadingYou may also like
Discover it® Secured Card application process
Learn the application process for the Discover it® Secured Card and enjoy double cash back rewards at the end of your first year!
Keep ReadingDelta SkyMiles® Blue American Express Card application
The Delta SkyMiles® Blue American Express Card lets you earn miles quickly, so you can enjoy more of what you love. See how to apply!
Keep ReadingPersonal Capital Cash Account review
Read this Personal Capital Cash Account review, and you'll understand why this piggy bank is a super helpfull one. It's full of benefits!
Keep Reading