First Access Visa® Credit Card

First Access is an Experian Partner

First Access Visa® Credit Card

Recommended FICO® ScoreΘ Rating


Get your FICO Score for free
  • Annual fee

    See Terms*

  • Intro APR


  • Ongoing APR

    See Terms*

  • Ongoing Balance Transfer APR


Card details:
  • Checking account required
  • Perfect credit not required for approval; we may approve you even if you’ve been declined elsewhere
  • $300 Credit Line (subject to Available Credit)
  • 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!
Rates and fees
  • 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

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 is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*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.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.