First Access Visa® Credit Card

First Access is an Experian Partner

First Access Visa® Credit Card logo.

First Access Visa® Credit Card

Rated 4.01 out of 5 stars, 1965 reviews

Recommended FICO® ScoreΘ


Annual Fee:

See Terms*

Intro APR:


Ongoing APR:

See Terms*

Ongoing Balance Transfer APR:


  • Rebuild Your Credit and Get Rewarded with First Access.1
  • Checking account required
  • First Access Gives You 1% Cash Back – perfect credit not required!
  • $300 Credit Line (subject to Available Credit)
  • First Access: Taking the confusion out of credit
  • View statements, make payments, verify transactions and manage rewards on the First Access Card Mobile App!
  • Easy and secure online application
  • Get a result in as little as 60 seconds upon completion of application
  • Get the security and convenience of a full-feature Visa® Credit Card that reports to all three major credit bureaus!
  • Access a credit card that helps build your credit1
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score
  • Good credit not required for approval

  • Reports to all three credit bureaus (Experian, TransUnion and Equifax)

  • Part of the widely accepted Visa payment network

  • High APR

  • Numerous fees

  • Annual fee deducted from your available credit

See all First Access‘ offers

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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