Just click here to apply – it's easy and most applicants know if they are approved within minutes.

Yes, a checking account is required.

You can apply for First Access with our online application. Usually, there is a decision within minutes and you will get an acceptance message on our website. Sometimes, we'll need some more information from you. Don't worry – we'll send you an email or a pending application letter with directions on how to move forward.

Once an application is approved, we start printing your card almost immediately. We send your card within 3-7 business days after approval. Because of mail delays, please allow 14 business days for your card to arrive.

To use your First Access Visa Card, first you need to pay your Program Fee, then you'll be able to activate your card once you receive it in the mail! Visit FirstAccessCard.com or call us at (877) 259-3755 to pay your Program Fee and activate your card. Then, download the Mobile App on Apple or Android. It's the easiest way to manage your account and make payments.

You can pay your Program Fee here. If you have questions about the application or the Program Fee, please call (877) 259-3755.

The easiest way to make payments is the First Access Visa Mobile App for Apple or Android. You can also make online payments at myccpay.com. For other ways to pay, please call customer service at (877) 259-3755.

Anywhere Visa cards are accepted – so, a lot of places! First Access Visa is a real Visa credit card, which means it's accepted at millions of stores in the U.S. & online.

Yes. You can add an additional authorized user during the application process. After you open your account, you can add an authorized user through the Mobile App or by contacting customer service at (877) 259-3755.

If you're a current customer, your best bet is to reach us through the Mobile App (Apple or Android). If you'd rather talk to someone in person, you can call us at (877) 259-3755. If you have questions about the application or paying your Program Fee, please call us at (877) 259-3755.

Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

If you've been a cardholder for more than a year, please contact customer service on your Mobile App (Apple or Android) or at (877) 259-3755 for more information about applying for a credit line increase.

First Access has a one-time $95 Program Fee, an annual fee, and a monthly servicing fee that begins after having the card for a year. Please click here to read more.

Yes! First Access has a Mobile App available for Apple or Android. You can manage your account, pay your bill, and much more in our Mobile App!

First Access offers access to your Vantagescore®+ and credit education! Click here to get started.

Calculated on the VantageScore+ 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and may not be used by all lenders.

Click here to learn more.

Still have more questions? Reach out to us through your Mobile App (Apple or Android or call customer service at