CardCompareHub

First Access Visa® Card

VISA Cash Back Rewards No Annual Fee

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First Access Visa® Card

Credit Score

620 680
Fair
Apply Now On The Bank of Missouri's secure website Terms apply. Approval is not guaranteed.

Annual Fee

See Terms*

Rewards Rate

Up to 10%

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

35.99%*

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by The Bank of Missouri.

First Access Visa is a fair-credit card offering cash back at select participating merchants, plus a small return on payments, modest initial credit limit, a high APR, and a tiered fee structure detailed in the cardholder agreement.

The "up to 10% cash back" framing requires careful reading — the top rate applies only at a small set of participating merchants, and the offer percentages vary and can change. For most cardholders, the effective rewards rate lands meaningfully below the headline figure. Combined with high fees and a low credit limit, the card's primary use is access — for someone who can't qualify elsewhere and needs an unsecured option, it exists. For everyone who has other choices, those choices are usually better.

Card Details

  • Earn Up To 10% Cash Back on everyday shopping with your First Access Card - Plus, another 1% back on payments!^^
  • An initial credit limit Up To $500! (See terms*)
  • Rebuild your credit and get rewarded with First Access.¹
  • Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ¹Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuilt their credit.
  • ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See First Access Rewards Programs Terms & Conditions for details
Also in: Top Credit Cards 2026 Cash Back Rewards

First Access Visa® Card

Ready to apply? Visit the issuer's secure site.

Apply Now On The Bank of Missouri's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.