The First Access Visa® Credit Card offers everyone the ability to build and establish a solid credit foundation for their feature, so you can apply for it even with a bad credit rating. Other eligibility criteria include a checking account, being over the age of 18 with a valid SSN, and being a US citizen or permanent resident with a mailing address.

No, the First Access Visa® Credit Card is not a rewards credit card in the sense that it doesn’t offer points or cash back on everyday purchases. However, it can help you build and establish a score strong enough to help you qualify for a rewards card later on.

You may get a higher credit limit with the First Access Visa® Credit Card once you have an open and active account for at least 12 months. Your payments must be up-to-date and you can’t have an outstanding balance. Fees may be applicable for a limit increase. If after 12 months your limit remains the same, you can call customer service at (888) 267-7980 and request an increase.