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]