Apply NowMany of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.
Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.
First Access Visa® Card
- Earn 1% cash back rewards on payments made to your First Access Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details https://images.totalcardinc.com/documents/terms/RFCL_202304F01_3.pdf
- See First Access Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/TBOMrewards.pdf
| Intro Balance Transfer APR | Intro Purchase APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 35.99%* | $75.00 1st year, $48.00 after* | Fair |
Offer Details
45 Product Reviews
Approval odds
3 months agoThought I could get approved,this you need a checking account for them to bounce. Maybe they should ask for that before they run your credit.
Definitely not worth it
5 months agoWhen my card was expiring instead of sending me a new card they decided to just close my account. I wasn't behind or anything, my payments were on time and I wasn't over the limit. No reason given. Only received one all increase over the few years I had the card up to $400. The annual fee and monthly fees are really high. Oh and they won't let you make more than 2 payments in a billing cycle.
Chance givers
1 year agoI can't complain. I opened an acct years ago when was younger got the card charged it up and never paid a dime on it. Fastfoward years ahead I forgot I even had the card when I went to apply I get a message saying denied. Few days after that I get an email from Premier bank card that literally said how does a second chance sound. I was shocked.
Stay away
1 year agoI would not recommend this card to anyone. I think it’s should be a crime what they doing to people. $95 straight out out of the gate plus you gotta pay 9:95 . Plus $48 every year it’s a crime what they’re doing to people that is trying just because you have you make a decision and have bad credit that’s no way for these people to take advantage of you make sure you read make sure you read the fine print before you sign up I would give this a 1 star
Horrible Fees
1 year agoI’ve had this card for 4 years and they charge 7.95 a month and an annual of 75$ upwards. Don’t remember. I want to cancel it but I know that’s bad for your credit too. I feel up against a wall and they have NEVER given an increase. Ridiculous don’t do it
Like This Product? Tell Us Why
Help fellow Credit Sesame members save money. Share your insights with a review!
These responses are not provided, reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts are answered.
Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.
Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.
Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.
† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.
†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.
Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.
Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.
Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.
