When rebuilding a damaged credit profile, finding an option that does not tie up liquid capital in cash collateral is a major benefit. The First Access Visa® Card provides an unsecured line of credit ranging from $200 to $500 upon approval, eliminating traditional security deposits while incorporating specific program fee structures.

Reviewing how these initial costs affect your available purchasing power helps you budget effectively from day one.

Issuer: The Bank of Missouri • Network: VisaSynced Daily Data Verified: Aug 14, 2026
First Access Visa® Card
  • 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
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Purchase APR Rate: 35.99%* - Rewards Rate: Up To 10% Cash Back on Purchases + 1% on Payments^^ - Annual Fee: See Terms* - Program Fee: $95.00* - Credit Needed: Fair - Credit Limit: $200-500

No Security Deposit vs. One-Time Program Fees

Unlike secured cards that demand a cash deposit matching your credit limit dollar-for-dollar, the First Access card requires no security deposit, though it assesses a one-time program fee ($95) alongside annual maintenance charges. Keeping your active balances low relative to your starting limit is crucial for maintaining a healthy credit utilization ratio.

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