First Access VISA® Credit Card

First Access is an Experian Partner

First Access VISA® Credit Card Apply Now Apply Now Apply Now

Recommended FICO® Score Rating

Poor - Good

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  • Rewards


  • Annual fee

    See Terms*

  • Intro APR


  • Ongoing APR

    See Terms*

  • Balance transfer


Card details:
  • Checking account required for approval
  • Perfect credit not required for approval!
  • If approved, simply pay program fee to open account and access credit line!
  • 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.

Credit 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.

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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’s website. Once you click apply you will be directed to the issuer’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 itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.