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.