Core Points - The secured Self Visa® Credit Card is designed to help individuals with poor or no credit establish and rebuild their credit [1][5] - As of January 2025, the card is available to the general public without a credit check, making it more accessible [6][7] - The card requires a minimum security deposit of $100, which is lower than many other secured cards [6][13] Summary by Category Product Features - The card has a $0 annual fee for the first year, followed by a $25 annual fee [3][4] - Ongoing purchases have a variable APR of 27.99% [3][4] - Card activity is reported to all three major credit bureaus, aiding in credit building [7][13] Target Audience - The card is particularly beneficial for the 29% of Americans with credit scores in the poor to fair range [5] - It serves as a useful tool for those looking to improve their credit history through responsible use [5][8] Application Process - No credit check is required for qualification, which broadens access to the card [7][13] - Self will review account activity, potentially allowing users to qualify for a higher credit limit or an unsecured card in as little as six months [8][13] Usage and Limitations - The Self Visa Credit Card can be used anywhere Visa is accepted in the U.S., but not for international transactions [11] - The maximum credit limit is capped at $3,000, which may be considered low compared to other options [13]

Core Points - The Varo Visa® Believe Card is a unique credit-building option that does not require a security deposit, credit check, or any fees, including late fees [1][4][5] - It offers a 0% fixed APR, allowing users to avoid interest charges even if payments are missed [4][6] - Cardholders can earn up to 6% cash back on purchases with select retailers, enhancing the card's appeal for users looking to build credit while earning rewards [7][11] Summary by Category Card Features - No annual fee and no welcome offer [4] - 0% fixed purchase APR, which is significantly lower than typical secured credit cards [4] - No required security deposit, making it accessible for individuals with no credit history [5][15] Eligibility and Requirements - Applicants do not need a minimum credit score or credit check to qualify [15][16] - A Varo bank account with at least $200 in incoming deposits within the past 31 days is required to qualify for the card [5][12] Rewards and Benefits - Cardholders can earn up to 6% cash back on purchases with select retailers, including well-known brands like Nike and McDonald's [7][8] - Cash back rewards are automatically deposited into the user's Varo bank account [9] - The card reports account activity to the three major credit bureaus, aiding in credit building [5][15] Limitations - If a payment is missed, the card cannot be used until the balance is repaid from the connected Varo bank account [6][20] - Spending limits are based on the available balance in the Varo bank account, with a maximum of $10,000 per billing cycle [12][20]