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 credit limit from $300 to $1,000, get what you need.
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:
- Apply
- Pay the program fee
(once you're approved) - Activate your card
Rates & Fees
Some call them fees — we like to think of them as an investment in yourself (and your future):
One-time program fee
$89
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
