It is normal throughout life to have already made mistakes or had problems with credit. First Access Visa understands this and wants to come with the premise of offering a second chance to this type of user. That’s why we came to bring you a complete review of this credit card.

We want you to have access to this excellent card, which, in addition to not requiring a security deposit, offers an excellent credit limit and unique opportunities to start rebuilding your credit history. It can be a real help and even a way to get other credit cards later.

Want to know more and understand the pros and cons of this credit card? Read our in-depth First Access Visa review now!

The first thing to study before getting any type of credit is the advantages. They will dictate whether it is worth getting such a credit card. And that’s why we brought the most important ones for you to consider:

Like all types of credit, First Access also has some disadvantages that can be quite bad when applying for the card. As we do a sincere and complete review, we will quote them one by one for you (and without softening!).

Usually we don’t mention the downsides in their own threads here at The Money Best. However, the fees for this card involve a lot of explaining.

The first thing you should consider is the fact that they offer a bad credit card (which in itself raises the fees). Also don’t forget about the security deposit waiver! See the main fees:

Let’s go to the real point. As soon as you create this card you are faced with $170 in fees, that’s a lot! I know it’s a credit card for people with no history, but it’s still a little more than necessary.

The APR is also high. I sincerely recommend that you opt for a secure card if you have the option to do so. This way you will get lower rates. But if you have a very bad score, this may still be a good idea.

Obtaining this credit card is much simpler than it seems. First you will need to access the official website. We teach you how to do this very easily, we leave a button at the beginning of the article, just click and you will go directly to the official page of the card.

Then you should click on request the card and fill out the form to complete the application. By doing this, you will already be halfway there to be able to apply for your credit card.

Upload all the documents that the bank requests and that’s it. Submit your request and wait for the response which may arrive immediately or within a few hours/business days.

Now let’s get to our final verdict on the First Access credit card. As a final opinion we need to say that this is a credit card that has a completely concrete niche: People with bad credit or credit beginners.

That is, if you don’t fit into this, at first I can tell you with complete certainty that this is not a good option. If you are part of this group of people, you need to deeply analyze your financial possibilities.

These are excessively high rates that make it unpleasant for most people. The APR is high, the APR is high, the annual fee is considerable and the cap increase rate is high.

Therefore, know that this is one option among many in the financial market. It will only be worth it if you buy it directly with other cards that have the same offer.

If you have the possibilities, I guarantee that the best option would be a credit card with a security deposit. With them you would be able to save for a while what you would spend on absurd fees and opening an account and in the end you would be able to get the deposit at the end of the use. It’s a good deal!

So, final verdict, is it worth it or not? IT DEPENDS! It all depends on your possibilities, what you want, your financial situation and your needs. Analyze well and if you want another option, leave it below.

When it comes to credit cards – and financial products in general – you know it’s important to check out all your options. That’s why we’re going to introduce you to an alternative that’s just as good as the First Access Credit Card.

Check out our full review of the First Digital Nextgen credit card! This card is also perfectly suited for someone who wants to rebuild their credit score and use a line of credit responsibly.

After all, a good credit card can be useful. Want to know more? Check out the full review at the link below and continue to deepen your knowledge of the world of credit cards.