First Access Visa

The First Access Visa is an unsecured card for those with poor credit. It provides access to credit without a deposit, but it is accompanied by high annual and application fees. It is a basic card that reports to the credit bureaus, but the cost of ownership is very high. We include it as a last-resort option for those who cannot afford a security deposit. Please consider all other options, especially secured cards with no annual fees, before applying for this card, as it is not a cost-effective way to build credit.

First Access Visa scores 4.2/10 (Poor) on Lunoo, making it rated in the Finance Insurance Credit Cards category.

See our alternatives page for First Access Visa for a ranked list with scores. Top alternatives include: Credit One Bank Platinum Visa, Total Visa Unsecured Card, Surge Mastercard.

See our detailed comparison of First Access Visa vs Credit One Bank Platinum Visa with scores, features, and an AI-powered verdict.

With a score of 4.2/10, First Access Visa is a solid option in Finance Insurance Credit Cards. See all Finance Insurance Credit Cards ranked.