To activate your new First Phase card, login into https://www.firstphasecard.com/ and follow the directions on the card activation sticker on your new First Phase credit card. Verify your personal information to activate your First Access Card.
Steps to Activate a FirstPhase Card:
Find the Activation Instructions:
Look for any instructions or a card activation number included in your card’s packaging or online portal. This is often provided in a separate letter or email when you receive the card.
Visit the Activation Website:
Go to the FirstPhase card activation website: firstphasecard.com (if that’s the official URL for the card).
You may be asked to enter your card number, security code (CVV), and other personal details.
Use the Mobile App (if available):
If FirstPhase offers a mobile app, you can download it from the App Store (for iOS) or Google Play (for Android).
Log in to your account (or create one if you haven’t), and follow the app’s steps to activate the card.
Call Customer Support:
If you’re unable to activate the card online, you can always call the customer service number found on the back of your card. They’ll walk you through the activation process.
Enter Your Details:
Whether you’re activating online or through the phone, you’ll typically need to provide the following:
Your card number (usually found on the front)
Your security code (CVV, located on the back)
Any personal information or verification questions to confirm your identity
Confirmation:
Once activated, you’ll usually receive a confirmation, either on the screen or via email, that your card is ready to use.
While anyone can apply for the First Phase credit card, it is specifically designed for those who face challenges with obtaining credit. Our goal is to provide credit options to those with limited access to credit.
If you have had challenges with getting credit or are looking for additional options, First Phase is a great choice. Our goal is to provide credit options that enable you to build your credit† while reporting to the credit bureaus.
How do I apply for the First Phase card?
If you are interested in building your credit with First Phase start here!
In order to apply you will need:
- To be at least 18 years or older.
- Acceptable debt/income ratio.
- Verification checks compliant with USA Patriot Act.
In most cases your application will be reviewed immediately. We are required to verify the identity of all applicants to comply with the USA Patriot Act. Sometimes that takes a bit longer. We will notify you within 30 days.
Once approved, your new card should arrive in 5-7 business days.
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First Phase Card Activation :
1. Follow the directions on the card activation sticker on your new First Phase credit card.
2. Call 877-726-5055 or go to www.FirstPhaseCard.com.
3. Verify your personal information (e.g. Social Security number, card number, or phone number associated with your application) to activate your First Access Card.

How can the First Phase card help me build my credit?
The First Phase credit card is only one part of building your credit score. Paying the First Phase card balance on time is an important first step. Managing your credit line, keeping your balances low, and paying your bills on time are continuous steps in order to build your credit. First Phase reports activity to the three major credit bureaus.
What are my card benefits?
There are 3 card benefits supplied by VISA for First Phase Cardholders:
- VISA Account Updater – Automatically updates account information between participating merchants and Visa card issuers
- Zero Liability – Cardholder is not responsible for unauthorized charges
- NortonLifeLock – Identity Theft – Dedicated to monitoring evolving threats, trends and data to protect and empower people to live their digital lives safely