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First Access Solid Black VISA Credit Card Review

Last updated
First Access Solid Black VISA Credit Card
Our Take:

The First Access Solid Black credit card is a smart choice for "Poor" credit and no credit consumers looking to raise their scores. It offers a no-deposit card that reports to all three credit bureaus monthly, making it easy to raise your score with responsible usage. Skip to our full review

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On The Bank of Missouri’s secure website
  • Highlights:
    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won’t
    • Get a result in as little as 60 seconds upon completion of the online application
    • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • You may be eligible for a Credit Line Increase after six month
    • Select your favorite card design from our gallery, for free!
  • Regular APR
    see terms
  • Introductory Annual Fee
    See Terms
    • 300
    • 689
    Fair and Bad Credit
  • Annual Fee
    See Terms
    Intro: See Terms
Show additional fees
CardGuru’s Ratings
Purchase APR
3.5
Annual Fee
4
Overall
3.5

Our Review

When it comes to sub-prime credit cards (or cards for bad credit, if you’re so inclined) they usually come in two forms: secured credit cards and unsecured credit cards. A secured credit card is one that requires a deposit, and an unsecured card does not. An unsecured card functions the way you would expect a credit card to function. It offers you a line of credit in good faith that you’ll make timely payments. If you have “Fair” credit or worse, finding an issuer that extends said “good faith” without strings attached, like a deposit, can be tricky. The First Access Solid Black Visa credit card offers a solution that’s accepted everywhere Visa is.

If you’re looking for an unsecured card, the First Access Solid Black Visa may be the right one for you. How can you know?

Here are 4 things to think about before you apply for this card:

  1. Do you have “Poor” credit?
  2. Are you looking for a credit card that doesn’t require a deposit?
  3. Are you fine with an initially low credit limit?
  4. Can you pay in full and on time each month?

If you answered yes to all 4 questions, this could be the card you’ve been waiting for. This card is not recommended for people who need a large credit limit or intend to carry a balance because of limitations with regards to the credit line, high APR and other fees. If you use this card irresponsibly, it can hurt you. The issuer reports to all three credit bureaus, which is a great thing if you plan on being smart about how you use your card and building credit. All in all, the First Access Solid Black card is a good choice for people with limited options for unsecured credit cards, and this is reflected by a high number of positive consumer reviews online.

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The credit card offers that appear on this site are from credit card issuers from which CardGuru.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CardGuru.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note:

This content is not provided by The Bank of Missouri. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by The Bank of Missouri.