Self Visa Secured Credit Card: Build Credit with Confidence
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Self Visa Secured Credit Card: Build Credit with Confidence
Self Visa Secured Credit Card helps people with no credit or poor credit build their credit history or improve their scores.
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Self Visa Secured Credit Card:...
What Is the Self Visa® Secured Credit Card?
Self Visa® Secured Credit Card is a credit-building tool that requires no hard credit inquiry.
To qualify, you must first open a Self Credit Builder Account and meet eligibility requirements—such as making several on-time payments and having at least $100 saved in your account.
That savings acts as your security deposit and sets your credit limit.
Your on-time payments and responsible usage are reported to all three major credit bureaus, helping you establish a stronger financial profile over time.
Self Credit Card Overview
| Offer | Best For | Annual Fee | Get Started |
|---|---|---|---|
| Secured Credit Card | building or repairing credit | $0 intro, then $25/year | Visit Self |
How the Self Secured Credit Card Works
Unlike traditional secured cards, it connects directly to your Self Credit Builder Account, making it easier to qualify without a large upfront deposit or a hard credit check.
- Open a Credit Builder Account: Start with a Self Credit Builder Loan and make a few on-time payments.
- Meet Eligibility: Once you have at least $100 saved in your account, you can unlock the secured card.
- Set Your Limit: Your security deposit (minimum $100) becomes your credit limit. Add more funds to increase it over time.
- Use Responsibly: Make purchases anywhere Visa is accepted within the U.S. and pay on time.
- Build Credit: Self reports your usage and payments to Equifax, Experian, and TransUnion.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| No Hard Credit Check | Apply without affecting your score—ideal for beginners or rebuilders. |
| Low Minimum Deposit | Secure your card with as little as $100 from your Credit Builder Account savings. |
| Visa Network | Accepted anywhere Visa is used within the U.S., providing flexibility. |
| Credit Bureau Reporting | On-time payments reported to all three bureaus to build history. |
| Integration with Self | Card is unlocked through your Self Credit Builder Account—no separate large deposit required. |
| Fraud Protection | Includes Visa’s $0 Liability Protection for unauthorized purchases. |
Who Is the Self Secured Credit Card For?
- People with no credit history or a poor score who need an accessible card
- Individuals already using the Self Credit Builder Loan
- Anyone denied by traditional unsecured or secured cards due to limited credit
Pricing & Fees
- Annual Fee: $0 intro annual fee, then $25/year
- APR: 28.24% variable APR (based on the Prime Rate)
- Security Deposit: Minimum $100 from your Credit Builder Account
- Late Fees: May apply if payments are missed
Trust & Security
- Issued by Lead Bank, Member FDIC
- Funds secured by your Self Credit Builder Account
- Reports to Equifax, Experian, and TransUnion
- Highly rated app: 4.9 stars in the App Store, 4.5 stars on Google Play
Self Visa Secured Credit Card FAQs
Do I need good credit to apply?
No. The Self Secured Card does not require a credit check. Eligibility is based on your Self Credit Builder Account activity and savings balance.
How is my credit limit set?
Your limit is determined by the amount you have saved in your Credit Builder Account. The minimum is $100, and you can increase it over time by adding more.
Does the card report to all bureaus?
Yes. Self reports your payment history and credit utilization to Equifax, Experian, and TransUnion.
Is the security deposit refundable?
Yes. When you close your account and pay off your balance in full, your deposit is returned.
Start Building Credit with the Self Visa® Secured Credit Card
Take the next step toward financial confidence.
| Features & Access | Free Credit Score |
|---|---|
| Perks & Value Adds | Credit Score Monitoring |
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