Reviews

First Access Visa® Card full review

Getting a credit card without having a good score is possible! Read our First Access Visa® Card review to learn more!

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by Sabrina Paes

Published on 10/08/2022

First Access Visa® Card: No monthly fees for the first year!

First Access Visa® Card
Check out our First Access Visa® Card review! Source: First Access Card

A bad credit score makes it difficult to approve credit cards. In this sense, our First Access Visa® Card review will show you that this can be a good option to help rebuild your credit.

First Access card logo

How to apply for the the First Access Visa® Card!

The First Access Visa® Card is a good option for anyone who needs to build credit. Learn how to apply and be approved for this option!

This card option does not require a good credit score and has reasonable fees associated with it.

In addition, it has an introductory bonus during the first 12 months of using the card. And you won’t pay a monthly fee for the first year. Check out more about this card!

  • Credit Score: Bad/Fair Score;
  • Annual Fee: $75 for the first year, $48 per year thereafter;
  • Regular APR: 34.99%;
  • Welcome bonus: No monthly fees for the first year;
  • Rewards: N/A.

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How does the First Access Visa® Card work?

Find out how this card works! Source: Adobe Stock

The First Access Visa® Card, presented in this review, is ideal for those who need a card and do not have a good credit score.

It can be requested easily over the internet, and approval is obtained quickly if everything is okay.

It has high associated APR rates, and an associate checking account is required. After approval and good use of the card, the company provides monthly reports to the main credit agencies in the country.

First Access Visa® Card pros and cons

Every credit card has pros and cons that need to be considered. Certainly, the First Access Visa® Card is an excellent option for those with a bad credit score and helps to rebuild credit.

However, it has a high associated APR rate, and the threshold is considered low compared to other options. In addition, it is necessary to have an associated current account. Check out the pros and cons.

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Pros

  • Very fast application result;
  • No need for a good credit score;
  • Many card design options are available;
  • The customer service center is always available;
  • Easy online application;
  • The maintenance fee is waived for the first year of use;
  • Monthly reports of the main credit companies in the country.

Cons

  • Low credit limit of just $300;
  • High maintenance fee after the first year;
  • High associated APR rate due to poor credit score acceptance;
  • You must have an associated current account.

Does my credit score need to be good?

As you may have noticed in this First Access Visa® Card review, it is not necessary to have a good credit score. After all, this card option is ideal for those who need to improve their credit score and build credit.

That is, to qualify for this type of card, it is sufficient to have a bad or fair credit score. Plus, the evaluation result comes out quickly.

Want to apply for the First Access Visa® Card?

The First Access Visa® Card is a great option for rebuilding credit. However, it is essential to know how to proceed to apply for the card and be approved.

The application can be made online or through an application installed on a smartphone. Want to know how to apply? Then check out our post below!

First Access Visa® Card

How to apply for the the First Access Visa® Card!

The First Access Visa® Card is a good option for anyone who needs to build credit. Learn how to apply and be approved for this option!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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