Best Visa Card for Very Poor Credit

First Access Visa Card
  • Shares your payment history with 3 major credit bureaus
  • Easy approval process
  • Accepted worldwide at participating locations
Learn more
On Card Issuer’s Secure Website
Card attributes
  • Variable APR
    See Terms
  • Cash Advance APR
    See Terms
  • Rewards Rate
    See Terms
  • Annual Fee
    See Terms
  • Intro APR
    See Terms
  • Bonus Offers
    See Terms
  • Get the security and convenience of a full-feature, unsecured Visa Credit Card - accepted at millions of merchant and ATM locations nationwide and online.
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • You may be eligible for a Credit Line increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fees apply)
  • Get a result in as little as 60 seconds upon the completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Service available 24 x 7
  • Issued by The Bank of Missouri

Discharged bankruptcies, legal judgements, and collections typically aren’t a problem - in other words, almost anyone can get this card. Helps establish a stable credit history when used responsibly.  

High fees for everything, including an annual fee and an activation fee. No bonuses or special features.


Application Process: The usual: Input some basic info in an online form and wait for a decision. Many applicants get a response in less than 60 seconds.

If you get approved, you may have to pay an activation fee before you can access your credit limit.

Bonus Offers: None. Sorry!

Rewards: This is a card for people with very poor credit, so it doesn't offer any rewards. It’s basically a last-ditch resort for people who can’t get approved for anything else.

APR: See terms.

Fees: See terms.

Never make a dumb purchase again
Our tips in your mailbox:
Newsletter signup