First Access Credit Card Login – Card Review

first access credit card login

This article has explained the three simple steps for your first access credit card login. We have also reviewed the first access visa credit card here. So please read on.


Introducing the First Access Visa Credit Card

It can be tough to get authorized for a new card if you’ve had credit problems in the past or are trying to rebuild your credit. The First Access Visa Credit Card is designed to appeal to customers in these situations. The card has a straightforward application process and plainly indicates on its website that excellent credit is not required to apply.

What’s the drawback? This card has a lot of fees attached to it. There’s a hefty one-time “programme initiation” fee as well as a hefty annual fee for the first year. The annual price reduces marginally after the first year, but it remains pricier than similar products marketed at people looking for a card that is easier to qualify for. Plus, beginning in your second year with the First Access Visa, you’ll be charged a monthly “servicing” fee, bringing your total annual fees to an absurdly high level for what you get.


This card continues to charge fees, including a non-refundable cost for an extra card and a fee for requesting a credit limit increase. When you have some blunders in your credit history, there are a number of various techniques to building credit, but the optimum usage of this card is none at all. You’d be much better off with a secured or unsecured card that doesn’t charge such exorbitant fees.

Features of First Access Visa Credit Card


Before your account can be opened, you must pay a $95 programme fee if you are approved for the First Access Visa Credit Card. And that’s only the start. You’ll also have to pay a $75 one-time annual fee. While the first year’s fee drops to $48 in the second, it’s joined by a $8.25 monthly service fee, which raises your overall spending.

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Interest Rate

Before your account is even opened, you must pay a $95 programme fee if you are approved for the First Access Visa Credit Card. That’s only the start of it. A $75 one-time annual charge is also required. While the monthly rate drops to $48 in the second year, it is joined by a $8.25 monthly service fee, which raises your overall spending.

Cheaper Options Available

The First Access Visa Card was clearly created with “poor” credit in mind. While there aren’t many other options for people with low credit, there are a handful that are better, whether you’re looking for an emergency loan or a cheap credit-improvement tool. There are a few secured credit cards with no annual cost, for example.

Cash Advance Fee$0 the 1st yr, 3% (min $10) after
Cash Advance APR34.99%
Foreign Transaction FeeNA
Smart chipNo
Max Late Fee$40
Max Overlimit Fee$0
Max Penalty APRNone
Grace Period21 days

Benefits of First Access Visa Credit Card

  • Get a full-featured, unsecured Visa Credit Card that can be used at millions of merchants and ATMs around the country, as well as online.

• Submitting monthly reports to all three main credit bureaus


• You don’t need perfect credit to be approved.

• Online application that is simple and secure

• Credit limit of $300 (subject to available credit)

• Choose Expedited Processing to receive your card faster (additional fee applies)

• After completing the online application, you’ll get a response in as little as 60 seconds.

• Freely choose your favorite card design from our gallery!

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• This no-security-deposit credit card considers all credit histories.

• Online Customer Service is available 24 hours a day, 7 days a week.

• The Bank of Missouri is the issuer.

First Access Credit Card Login

There are three simple steps to access your First Access Credit Card Login online.

  1. Visit the bank of Missouri login page
  2. Enter your username and ID
  3. Click login

First Access Credit Card Login and Balance Check

Online: Log in to your Bank of Missouri account online following the above steps and choose the First Access card option. On the next page, your balance will be displayed.

Phone: To contact a customer support person, dial 1-888-267-7980 and follow the directions.

It’s a good idea to keep a check on the balance on your First Access Card. If your balance appears to be more than it should be, have a check at your recent transactions for anything unusual.

How to Apply for the First Access Credit Card?

On the First Access website, you can apply for a First Access card. It is not possible to apply over the phone or via mail. You must be at least 18 years old to apply for the First Access card, and you must have a checking or savings account to be authorized. Your full names, home address, phone number, email address, Social Security number, and other personal information will also be required. You can select your preferred credit card design immediately on the application, which includes a $100 note, a mountain meadow, a kitten, and an American flag.

You will most likely receive a decision within 60 seconds of submitting your First Access application. Persons with bad credit can be accepted for the First Access credit card, which is meant for people with less-than-perfect credit. If you don’t hear back right away, you can check on the status of your application on their website or call 888-267-7980.

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To open an account, approved candidates must pay a $95 Program Cost, and the card has an annual fee of $75 for the first year and $48 after that. Furthermore, after the first year, cardholders must pay an additional $8.25 a month to keep the account open. It’s a good idea to think about these costs before applying for this card. There are significantly less expensive credit cards for bad credit that will help you build your credit, such as secured credit cards.

How to Check Your First Access Card Application Status Online

  • Go to first access credit card login
  • Go to the application status page for the First Access Card.
  • When prompted, enter your date of birth and application ID.
  • Check on the status of your First Access Card application: approved, denied, or pending.

Vervent’s decision on your application is usually given within minutes. Many candidates receive approval considerably sooner. You can always call customer support to inquire about the delay if you haven’t received a response within a reasonable time limit.

When you check the progress of your application, you might not like what you find out. Those who are denied can still request a reconsideration from Vervent by calling 1 (888) 267-7980.

Is The Card For You?

The First Access Credit Card Login should only be used in extreme circumstances. If you want to earn rewards while developing credit, you’ll do better with a secured credit card (one that requires a deposit). Even better unsecured credit card options exist for establishing credit. If at all possible, stay away from this card.


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