Issued by The Bank of Missouri, the First Access Visa® Card is designed for individuals with fair or damaged credit who need an unsecured credit-building tool. Featuring a starting credit limit ranging from $200 to $500 with no security deposit required, the card offers a practical path to reporting positive payment habits to major credit bureaus.

The card also introduces unique rewards elements, including up to 10% cash back on select participating merchant shopping and 1% cash back on credit card payments.

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

Explore First Access Visa® Resources & Spokes

Select a specific guide below to access detailed breakdowns regarding fee schedules, rewards optimization, and account management:

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