Maximizing Up to 10% Shopping Cash Back and 1% Payment Rewards

While standard subprime cards rarely offer incentives, the First Access Visa® Card features structured rewards opportunities. Cardholders can earn up to 10% cash back on qualifying purchases at select participating retail partners, plus an additional 1% cash back on payments made toward the credit card account.

Understanding how to route your routine spending through these partner programs helps offset account maintenance costs.

First Access Visa® Card
Issuer: The Bank of Missouri • Network: VisaSynced Daily Data Verified: Aug 14, 2026
	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 Learn More
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

Leveraging Participating Retailer Offers

The up-to-10% reward tier applies specifically to participating merchants within the First Access rewards network. Reviewing portal offers regularly ensures you capture elevated percentages on qualifying consumer goods, while the 1% payment cash-back feature rewards consistent monthly debt reduction.

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