The First Access Visa® Credit Card

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
  • You may be eligible for a Credit Line Increase after six months
  • 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
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit Personal See Terms* N/A N/A See Terms* None


Quick Summary:
This Visa offer is issued by Mid America Bank & Trust Company. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 29.99%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of See Terms** for this card. This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 431 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Mid America Bank & Trust Company product.

Other Basics:
The grace period listed for The First Access Visa® Credit Card is at least 21 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Other Remarks:

Processing fee: $89.00 (one-time fee).



Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

This card has a very poor approval or acceptance rate. Since this is a card for poor credit, high fees or APRs may be contributing factors for people that decide to accept this card. Furthermore, if your FICO score is close to or higher than 431, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 0% of 1 user recommend this card.

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