While unsecured credit-builder cards like the First Access Visa® Card provide accessible entry points for credit repair, they incorporate higher fee structures and interest rates than prime consumer cards. Evaluating these costs upfront is critical to maintaining a sound budget.

Understanding how annual fees and the 35.99% purchase APR interact with your $200–$500 credit limit prevents unexpected financial strain.

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

The Importance of Paying Balances in Full

Due to the 35.99% purchase APR, rolling a balance from month to month can quickly accumulate expensive finance charges. The most effective strategy is treating the card strictly as a debit tool—charging small, budgeted amounts and paying off the statement balance in full every single month.

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