What Credit Score Do You Need for the First Access Card?

The First Access credit card is designed for people with poor or limited credit, so there is no strict minimum credit score required.

Most approved applicants typically have a credit score in the 300 to 600 range, making it accessible to people with bad credit or those just starting to build credit.

Can You Get Approved with Bad Credit?

Yes, the First Access card is specifically intended for people with bad credit, no credit, or a limited credit history.

Approval is not based on your credit score alone. Other factors may include:

• Your income
• Your existing debt
• Your recent credit activity
• Your ability to make monthly payments

Because of this, even applicants with very low credit scores may still qualify.

Is There a Minimum Credit Score Requirement?

There is no officially published minimum credit score for the First Access card.

However, most successful applicants fall into the following ranges:

• 300–579 (Poor credit)
• 580–669 (Fair credit)

If your score is in this range, your chances of approval are generally higher.

What Credit Limit Can You Expect?

The First Access card typically offers a starting credit limit between $200 and $500.

However, your actual available credit will be lower at first due to upfront fees.

• $200 limit → about $150 available
• $300 limit → about $225 available
• $400 limit → about $300 available
• $500 limit → about $375 available

This includes a $95 program fee that must be paid before your account is opened.

Fees and Costs to Be Aware Of

Like similar cards (such as Revvi or Total Visa), the First Access card comes with relatively high fees.

• APR: 35.99%
• Program Fee: $95 (one-time)
• Annual Fee: $50 to $125 depending on your limit
• Monthly Fee: Up to $10.25/month after the first year
• Late Payment Fee: Up to $41

These fees can reduce your available credit and increase the overall cost of using the card.

Is the First Access Card Worth It?

The First Access card can be a useful option if you have difficulty getting approved elsewhere.

However, it’s important to understand that it is a high-cost credit-building card, similar to several others on the market.

It’s best used as a short-term tool to:

• Build payment history
• Improve your credit score
• Eventually qualify for better cards

Explore Better Unsecured Credit Card Options

If you're working to rebuild your credit, it’s a good idea to compare multiple options before applying.

Some unsecured credit cards offer higher limits, fewer fees, and better long-term value.

Bottom Line

There is no specific minimum credit score required for the First Access card, but most approved applicants have scores between 300 and 600.