Updated October 18, 2026 · DebitCue Editorial Team
Access Bank Cards vs Cashably
Access Bank Cards
Cashably
Higher score in this comparison
What sets them apart
| Compare | Access Bank CardsReviewSee alternativesSee alternatives | CashablyReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $10 | $0Lower |
| APR | 3.5% | 0%Lower |
| Currency conversion fee | 5% | 3%Lower |
| Card kind | Credit | Charge |
| Rewards type | Not confirmed | Cashback |
| Perks | Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance, Up to 50% of net monthly salary can be availed as credit limit, Verified By Visa (VbyV) additional security for online transactions, Accepted at over 2 million ATMs and 30 million merchant locations, across over 220 countries globally | Not confirmed |
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Key differences
- Cashably scores higher overall: 9.4 vs 9.1.
- Annual fee is lower at Cashably: $0 vs $10.
- APR is lower at Cashably: 0% vs 3.5%.
- Currency conversion fee is lower at Cashably: 3% vs 5%.
- Support channels: only Access Bank Cards offers Chat.
- Features: only Cashably offers Rewards.
Our verdict on each
Access Bank Cards
Access Bank Cards is a Nigerian Visa credit card for salaried borrowers who want a low rate on a revolving balance rather than a rewards card. Borrowing costs an APR of 3.5%, with an annual fee of $10, so it earns its place for anyone who clears the balance each month.
Cashably
Cashably is a secured charge card with cashback rewards that suits you if you want to build a record while avoiding yearly charges, since yearly charges sit at $0. You give up cheap overseas use because overseas charges sit at 3%, so keep spending domestic while you earn rewards.
Score breakdown
| Area | Access Bank Cards | Cashably |
|---|---|---|
| Cost | 8.8Annual fee of $10 and a conversion fee of 5% pull in opposite directions on cost for this brand. | 9.2HigherModel based on no annual fee keeps recurring card ownership costs predictable for you. |
| Offer | 9.4 | 9.6HigherStructure as charge with secured and rewards pairs secured access with rewards for you. |
| Trust | 9.3 | Not confirmed |
Where they rank in our lists
| Ranking | Access Bank Cards | Cashably |
|---|---|---|
| Credit cards | 143 of 1020 | 95 of 1020 |
| Secured credit cards | 9 of 27 | 7 of 27 |
Cost in a real example
A year with 1,000 spent abroad
Access Bank Cards
$60
1 × $10 + 5% of 1,000
Cashably
$30
1 × $0 + 3% of 1,000
Cashably costs $30 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
Spending 1,000 abroad
Access Bank Cards
50
5% of 1,000
Cashably
30
3% of 1,000
Cashably comes out 20 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
Licences and countries
| Country | Access Bank Cards | Cashably |
|---|---|---|
| Nigeria | Not confirmed |
Every fact side by side
| Fact | Access Bank Cards | Cashably |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Secured | Secured, RewardsCovers more |
| Legal entity | Access Bank Plc | Cashably, LLC |
| Headquarters | Nigeria | United States |
| Founded | 1988 to 1989 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Debit cards
| Fact | Access Bank Cards | Cashably |
|---|---|---|
| Card type | Prepaid | Not confirmed |
| Top-up fee | Free to load by cash or electronic funds; only a one-off card issuance fee of P58.07 for the Prepaid cash card | Not confirmed |
| Currencies | 4 | Not confirmed |
Where each stands against the rest
| Fact | Access Bank Cards | Cashably | Median |
|---|---|---|---|
| Annual fee | $10highest quarter | $0at the median | $0 |
| APR | 3.5%lowest quarter | 0%lowest quarter | 19.39% |
| Currency conversion fee | 5%highest quarter | 3%highest quarter | 1% |
Median across 312 listed cards.
Pros and cons
Access Bank Cards
Pros
- APR of 3.5% compares with a credit card median of 20.85%, which keeps short term borrowing cheap
- Perks cover an interest free period, a minimum repayment set as a share of the balance, and a salary linked credit limit: Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
- Support runs on phone, email and chat: phone, email, chat and a help centre
Cons
- Currency conversion costs 5%, above the credit card median of 1.85%, so foreign purchases are the weak spot
- The annual fee of $10 applies while secured cards on the site run as low as €0
Cashably
Pros
- Yearly charges stay at $0, which leaves more of your return in your pocket.
- APR sits at 0%, which helps if you clear the charge balance as required on a charge card.
- Rewards link to cashback, which gives simple value alongside secured access.
Cons
- Overseas spending carries charges of 3%, which sits above the typical level shown by 1.5% for credit cards.
- Charge structure shown by charge means you must pay in full rather than revolve, which will not suit you if you need flexible borrowing.
Who each suits
Access Bank Cards
Who it suits
- Salaried borrowers in Nigeria, since the credit limit is set against net monthly salary: Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
- Anyone who repays in full each month and wants a low rate on a short term balance
- Cardholders who travel often, given the ATM and merchant reach listed in Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
Who should look elsewhere
- Wise, whose card annual fee is £0, fits travel spending better than borrowing
- Varo Believe Secured Credit Card, where the annual fee is $0, for anyone who wants a secured card with no fixed charge
- Chime Card (Secured Visa Credit Card), where the annual fee is $0, if you want a secured Visa without a fixed charge
Cashably
Who it suits
- You want secured cashback with yearly charges at $0 and you prefer Cashably to Oney Préstamos where yearly charges are €0 in a different currency setup.
- You want phone support through email, phone and help centre and charge style borrowing at 0%, and you prefer Cashably to Qonto for that service mix.
Who should look elsewhere
- You shop abroad often and dislike charges of 3%, so you may prefer Qonto for a different fee pattern on travel.
- You need to revolve balances across months, so the charge setup may suit you less than Oney Préstamos for flexible repayment.
Country by country
| Country | Access Bank Cards | Cashably |
|---|---|---|
| Angola | Yes | No |
| Botswana | Yes | No |
| Cameroon | Yes | No |
| Democratic Republic of the Congo | Yes | No |
| Gambia | Yes | No |
| Ghana | Yes | No |
| Guinea | Yes | No |
| Kenya | Yes | No |
8 of 16 countries where either is available.
Questions about each
Access Bank Cards
What does the Access Bank credit card cost?+
The Visa credit card charges an annual fee of $10 and an APR of 3.5%. That rate is the main reason to hold this card rather than a rewards card, and the annual fee is the only fixed cost listed for the credit line.
Who regulates Access Bank Cards?+
The card is issued by Access Bank Plc, which is headquartered in Nigeria. The regulator listed for the brand is the Central Bank of Nigeria, so the lending and the deposits sit with a supervised bank rather than an intermediary.
Cashably
Does Cashably charge a yearly fee for the card+
Yearly charges sit at $0, so you pay nothing each year for card ownership itself. You should still review your statements for other service charges, and keep everyday spending domestic to avoid added costs.
How does the APR work on this charge card+
APR sits at 0%, which reflects the charge structure rather than revolving credit. You are expected to settle the balance in full, so this card suits you if you prefer to avoid interest bearing balances.
Other options to compare
Other matchups
Access Bank Cards
Cashably