Checking Account Required
Reports to Consumer Reporting Agencies
Regular APR
See website for details
Credit Recommended
Fair, Poor, Bad, Limited

Offer Overview

  • New to credit? Start building with First Phase!
  • Less than perfect credit? No problem.
  • Credit limit starting at $300*
  • With Visa® Zero Liability, you are covered if your card is ever lost, stolen, or fraudulently used.
  • Imagine where better credit can take you. Get there with the First Phase credit card.
    *Credit limit is subject to credit approval and is based upon pre-established criteria.

At a Glance

Editorial Disclaimer: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Also see Advertiser Disclosure.

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.