I signed up for them because of an emergency. Unfortunately, unlike everyone else. They don’t have a Virtual Card that you can use before the physical card arrives. They took the $90 activation fee out of me. But I don’t think I can do business anymore. That’s really disappointing that they can’t give an immediate temporary or permanent Virtual Card immediately after signing up with them. I rated it 2 stars because it’s great I got an Approval. But, the lack of a virtual card immediately after signing up so I don’t have to wait for the Physical Card is really disappointing. If you’re in a pinch and need money or credit like “tomorrow”, you cannot use First Access because they won’t be able to help you in time.

Worst experience ever they don’t know what they’re talking about when you ask them about your card I’ve spoken to 7 different people fighting to get a refund for a month was told it was only going to take 7 days then I got told today it’s going to take over 30?! I’ve had this card for 3 years I do not recommend at all.

I like that the app the card has a new / old look reminds me of my old national city bank debit card back when I was 18 whichever I like I think the card declined only when using those phone payments method the small business be using other than that it’s cool yeah apr is high but I see the reason better than a secured credit card

I opened this card to rebuild my credit after a bad relationship. I’m still at a $300 spending limit a few years later even though I make more money and made all my payments. The fees are ridiculous too. I was using it for gas and get no rewards or perks. I suggest going elsewhere and saving yourself money.