First Access Solid Black VISA® Credit Card

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Last updated on July 28th, 2022

First Access Solid Black VISA® Credit Card

Easy and Secure Online Application

First Access Solid Black VISA® Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Fair , Poor
  • Processing Network Visa
Best Benefits
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
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First Access Solid Black VISA® Credit Card

First Access Solid Black VISA® Credit Card

Terms & Conditions

At a Glance

The First Access Solid Black Visa® Credit Card is a great option for those who want a true Visa® credit card but don’t have perfect credit. Available after an easy online application, approval can be as fast as 60 seconds – and since your responsible card use is reported to the three major credit bureaus each month when used properly, this can be a valuable tool to build, or repair, your credit.

Ideal for Those Who:

  • Have poor credit, or no credit history
  • Want a credit card with fast approval
  • Will demonstrate responsible financial behavior to report to the credit bureaus
  • Want a card that is accepted wherever Visa is accepted in the United States
  • Want the option to select your favorite card design

First Access Solid Black VISA Credit Card Review

The Solid Black Visa® card from First Access is a no-frills, pared-down Visa® credit card designed specifically for applicants who have poor credit or no credit history at all. Approval is quick, thanks to a secure online application; results are provided in seconds. Although this card is designed for folks with little to no credit history, remember that approval is not guaranteed.

The First Access Solid Black card offers an APR that is slightly higher than many comparable cards on the market. This is likely due to the fact that most who apply for this card will be considered “high-risk” applicants. Additionally, there are fees associated with this card. These include a one-time fee to join the program, as well as an annual fee and a monthly service fee.

To make this offer more feasible, First Access waives your monthly service fee for the first year as an introductory bonus. After the first year, the monthly servicing fee will apply. In addition, the annual fee is reduced after the first year. So there’s a bit of a tradeoff: During your first year, you’ll pay a higher annual fee with no monthly service fee.

After your first year, you’ll pay a monthly service fee but a lower annual fee.

Other Card Features

Other notable features of the  First Access Solid Black Visa include:

  • Manageable monthly payments
  • Reports to all three major credit bureaus
  • Accepted by merchants across the USA and online
  • Checking account required

It is worth noting that First Access Solid Black Visa Card isn’t an open to applicants everywhere. Currently, the card is not available to residents in the following U.S. states:

  • New York
  • Wisconsin

First Access Visa Card Ratings

How does the First Access Card stack up? Here are a selection of expert reviews for the card:


User Rating


User Testimonials

What is the First Access Solid Black VISA Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

Read More
No problems with card at all. My credit was very poor and continued on time payments have helped amazingly. Would prefer no annual fee $45, but very poor credit does not give a whole lot of options. Same with the interest rate.

Should You Apply for the First Access Solid Black VISA Credit Card?

The Solid Black card offers the convenience of a full Visa® credit card; accepted by merchants across the USA and online, it’s a powerful tool that allows you to manage monthly payments, monitor your spending, and regularly update the three major credit bureaus as you demonstrate responsible financial behavior.

Cardholders can choose the card image they’d like for their card from a selection of six different pictures. Although a versatile card for anyone who needs to establish their credit, due to security reasons it cannot be used for purchases made with merchants outside the United States. Card use is subject to credit availability, based on your application.

Responsible use can lead to improved credit, which in turn can qualify you for better credit card offers – the power is yours; use it wisely!

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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