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Get the card you need for the future you deserve.

With manageable credit limits, an intuitive online account, and dynamic credit card protection tools, First Phase empowers you to confidently navigate the next chapter of your credit journey.

Apply Now

"Less-than perfect" credit is enough to get you started.

Get Your Credit

Secure a personalized credit limit starting at $300.

Use Your Credit

Pay with ease online, or on the go.

You may not use your Card outside the United States, or to make a charge in a foreign currency.

Build Your Credit

Elevate your credit with a card that reports to all major credit bureaus.

Protect Your Credit

Breathe easy with Visa® Zero Liability & Identity Protection.

It's time to build credit.

Begin your credit journey in just three easy steps:

  1. Apply
  2. Pay the program fee
    (once you're approved)
  3. Activate your card
Taking Notes

Rates & Fees

Some call them fees — we like to think of them as an investment in yourself (and your future):

  • One-time program fee


  • Annual fee

    $75 for the first year ($48 annually thereafter)

  • Monthly servicing fee

    $0 for the first year ($6.25 per month thereafter)

  • Annual Percentage Rate

    34.99% fixed

See Rates, Fees, Costs and Limitations for additional details.
Crossed Cards

Ready to get started?

We're here to support your success every step of the way.

Apply Now



© 2022 by CURO Credit, LLC. All Rights Reserved.

First Phase Visa® is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

First Phase reports payment history to the three major credit bureaus so it can help build your credit if used responsibly. Building credit is accomplished by keeping your balance low and paying all your bills on time every month. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit. First Phase begins credit reporting following your first purchase or cash advance using your card.

Visa Zero Liability policy does not apply to transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Phase immediately of any unauthorized use.

First Phase may make phone calls to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use.

Pay Near Me money transmission services are provided by PayNearMe MT, Inc, a wholly owned subsidiary of Handle Financial, Inc.