All new First Access Visa® Card cardmembers get a $300 initial credit limit. However, that amount can be higher depending on your annual income and overall creditworthiness. The amount you start with is not your forever limit either. You can get a higher amount by using the card responsibly and paying your balance in time. You can also request a higher credit limit by calling customer service.

Yes, the First Access Visa® Card is a legitimate product. The card is issued by The Bank of Missouri, FDIC Member, and has a Visa coverage. You can purchase goods and services anywhere merchants accept Visa, and the bank reports all monthly payments to the three main credit bureaus in the country.

Once you complete the application process and get approved for the card, it usually takes about 2 weeks for the physical copy to arrive at your address. If you need the card sooner, you can pay $35 for expedited shipping and receive the card within two business days.

With the First Access Visa® Card, you’ll have to pay a one-time processing fee of $95. The annual fee is $75 during your first year as a cardmember, and $48 thereafter. Starting the second year of membership, there’s a monthly maintenance fee of $8.25 as well.