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Advertiser DisclosureAdvertiser 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.

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
Regular APRAnnual FeeCredit Needed
35.99%*$75.00 1st year, $48.00 after*Fair

Offer Details

Acceptance Criteria
Credit Needed
Fair
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
35.99%*
Fees And Charges
Balance Transfer Fee
N/A
Annual Fee
$75.00 1st year, $48.00 after*
Rewards
Reward Type
cash back

51 Product Reviews

Tim Jeter
Helpful
4 months ago

They gave me a chance

Daniel Smith
Credit
4 months ago

The best

Tracey Mays
Everything
4 months ago

I was very satisfied I was very satisfied with the outcome of everything it was an experience.

Malachi Cade
Good
5 months ago

Five

Gretta Wilson
Customer
5 months ago

No comment

Darryl Kelly
Totally Professional
5 months ago

Best Offer

Robert Williams
Approval odds
1 year ago

Thought 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.

Troyles Anderson
Credit
1 year ago

Help with credit score

Jennifer Michel
Definitely not worth it
1 year ago

When 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.

Randy Parker
Awesome
1 year ago

Awesome app, Awesome cards!!!

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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 to apply, 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.