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

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.

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