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card art for the First Access Visa® Card

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*

Advertiser Disclosure: Some of the card links and products that appear on this website are from companies which Cardonomics may receive compensation when you click on links to those products. You don't have to use our links, but we're grateful when you do! View our Advertising Policy. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
Naam Wynn's avatar

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.