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FI

First Access® Business Card

8.5

Very Good

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description First Access® Business Card Overview

The First Access® Business Card is designed for businesses with limited or no credit history, often those who have been denied credit elsewhere. It has a $0 annual fee, but comes with a higher APR and a lower credit limit. Rewards are earned on purchases, and the card can help build business credit. It's a good starting point for businesses needing to establish credit, but the high APR should be carefully considered.

Requires a personal guarantee and a security deposit.

help First Access® Business Card FAQ

What is First Access® Business Card?

The First Access® Business Card is designed for businesses with limited or no credit history, often those who have been denied credit elsewhere. It has a $0 annual fee, but comes with a higher APR and a lower credit limit. Rewards are earned on purchases, and the card can help build business credit. It's a good starting point for businesses needing to establish credit, but the high APR should be carefully considered. Requires a personal guarantee and a security deposit.

How good is First Access® Business Card?

First Access® Business Card scores 8.5/10 (Very Good) on Lunoo, making it a well-rated option in the Services category.

What are the best alternatives to First Access® Business Card?

See our alternatives page for First Access® Business Card for a ranked list with scores. Top alternatives include: OpenSky® Business Credit Card, Capital One Spark Classic for Business, Capital One Platinum Credit Card.

How does First Access® Business Card compare to OpenSky® Business Credit Card?

See our detailed comparison of First Access® Business Card vs OpenSky® Business Credit Card with scores, features, and an AI-powered verdict.

Is First Access® Business Card worth it in 2026?

With a score of 8.5/10, First Access® Business Card is highly rated in Services. See all Services ranked.

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