Apply For A Credit Card
Updated: June 12, 2020
Getting a credit card with damaged credit or no credit is now possible online. With the First Access Visa®, you can get access to credit with credit scores that other banks reject. If you need credit and have a damaged credit score or even no credit score, we recommend applying to the First Access Visa® now.
First Access Visa® Card
Rating: ⭐⭐⭐⭐⭐ 5 Stars
Fast & Easy Application; Results Online in Seconds
Annual fee: see terms
Regular APR: see terms
Credit Card Details
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
- Intro Rate : N/A
- Intro Period : N/A
- Regular APR : See Terms
- Annual Fee : See Terms
- Balance Transfer : N/A
- Credit Recommended : Fair/Bad
Credit Cards Research
Without a credit card, consumers are unfortunately at a disadvantage. Credit helps consumers get through emergency situations, and having access to credit is essential to building a credit score.
Credit cards help build credit and improve your credit score when you make monthly on-time payments. Higher credit scores lead to lower interest rates on loans. A lower interest rate allows you to pay off the loan faster and keep more money in your pocket.
Here are 3 benefits of having a credit card:
1. Access to an instant credit line.
Sometimes expenses need to be paid immediately. A credit card provides credit to pay off these expenses. It’s important to pay off the credit card before the due date so that you do not have to pay interest. If this is not possible in your financial situation, pay the minimum payment, so that you do not have to pay a late fee. Missing a payment lowers your score but paying only the minimum payment does not lower your score.
2. Build your credit.
The credit cards on this page accept consumers that other banks do not. When other banks say no, these credit card companies give you a chance to rebuild your credit.
3. Pay off purchases over time.
Credit cards allow you to make large purchases today and pay off the purchase price over time. Credit cards are a good option if you cannot afford to make a large purchase, but you know you can pay off the interest and the balance over time.
Getting access to credit with no credit score or a low credit score is possible by applying to the First Access Visa®, which is available to people with no credit or bad credit. Building credit is not easy, but anyone can gain access to credit and improve their credit score by applying to this card.
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
Images used on this page are officially licensed for use by Adobe®️ Stock Images. ©️ CardResearch 2018-20. For email assistance, please contact [email protected] or Call (785) 274-9786