Apply for First Access Credit Card Online with This Guide



The First Access credit card is designed for those with poor credit or a limited credit history. The card is issued by The Bank of Missouri. It is an unsecured card, so unlike some other cards for those with poor credit, you don’t need to pay a deposit. You do need to pay a processing fee if you’re approved, though.

How to Apply for First Access Credit Card Online

It’s quick to apply for a First Access Visa credit card online.

  1. First, visit their website at
  2. Click the button in the middle of the page saying “Apply Now.”


  3. This takes you to your First Access credit card application. Scroll down and enter your first and last name, your address, and your email address.
    Click whether you have an active checking account and choose your credit card design. Check the box saying that you are a U.S. resident over the age of 18.
  4. Check the box saying you’re not a robot and click “Submit Information.”

If you’re approved, you will need to pay the processing fee.

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First Access Visa Credit Card Customer Service

If you need assistance with your First Access credit card, you can call them at 1-888-267-79-80. You can also email them at You can also write them at:
First Access Card
P.O. Box 89028
Sioux Falls, SD, 57109-9028.

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First Access Visa Credit Card FAQs

What is the APR for a First Access credit card?
The APR is 34.99 percent.

Can I get a cash advance?
You can get a cash advance. The APR for a cash advance is the same as the APR for purchases. After the first year, there is also a cash advance fee of $5 or 5 percent, whichever is higher.

Is there an annual fee?
There is an annual fee of $75 for the first year and $48 per year after that.

Are there any other fees?
There is a one-time processing fee of $95. After the first year, there is a monthly service fee of $8.25. Late fee is $41.

Can I transfer a balance?
You can’t transfer a balance onto a First Access credit card.

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First Access Visa Credit Card Reviews

Overall, users seem happy with the First Access Visa credit card. Although the fees are high, as is the APR, the First Access credit card helps users rebuild credit without requiring a hefty deposit. If you have a good payment history, you may qualify for credit line increases. If you don’t have access to cards with lower fees, this may be a good choice for improving your credit.

APR for Purchases
User Rating: 5 (2 votes)
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