First Access Visa® Card
Earn 1% cash back rewards
on payments made to your First Access Credit Card
Annual Fee: $75.00 1st year, $48.00 after*
Naam Wynn's Take
The First Access Visa® Card serves as a practical solution for those with poor credit, providing an unsecured credit line of at least $300 without the need for a deposit. This card supports credit building by reporting to major credit bureaus each month. While it might be more cost-effective to use a low-cost secured card for non-emergency borrowing, the First Access Visa's approach includes a $95 initial fee, a $75 annual fee for the first year, and combined annual and monthly fees of $147 in subsequent years, offering a straightforward way to work on improving credit.