Apply For First Access
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First Access home banner

APPLY IN 4 EASY STEPS!

  • Start Application

  • Continue Application

  • Review Terms & Conditions

  • Approval & Pay Program Fee

*Required field

At least one phone number is required.

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First Access Credit Card, designed for poor credit

**See Rates, Fees, Costs, and Limitations page for additional details.

First Access is for people with a checking account who want a true Visa credit card that does not require perfect credit for approval. Apply now to get a response online in seconds

Get a
First Access Card
and earn
1% cash back
Rewards^^!

Step 1 – Complete Your First Access Application

Applying is quick & easy with our SECURE online application.

Step 2 - Get Your First Access Credit Decision

Review the terms and conditions, submit your application & get your credit decision!

Step 3 – Pay the $95 Program Fee to Open Your First Access VISA Card Account

If approved, pay the $95 Program Fee** to open your account.

First Access Mobile App available in Apple App Store and Google Play Store Android

Download our mobile app for either iOS or Android* for quick access to your account.

*Google Play and the Google Play logo are trademarks of Google LLC.
App Store is a service mark of Apple Inc.

CARD FEATURES

First Access Rewards Offer 1% Cashback on Payments – See Terms and Conditions for Details

FIRST ACCESS CASH BACK REWARDS

First Access Card Mobile App is available in Apple App Store and Google Play Store

USER-FRIENDLY MOBILE APP

First Access Credit Card reports monthly to the three major Credit Bureaus, TransUnion, Experian, and Equifax

MONTHLY REPORTS TO CREDIT BUREAUS

FREE VANTAGESCORE®+ AND CREDIT EDUCATION

Blue First Access Credit Card, designed for poor credit

**See Rates, Fees, Costs, and Limitations page for additional details.

First Access is a great card for those who have struggled to get access to credit in the past or have less-than-perfect credit. Applying only takes a few minutes and we will provide a credit response in 60 seconds or less.

CARD FEATURES

*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and may not be used by all lenders. Click here to learn more.