Meet the Self Visa® Credit Card
A secured card that's:
- ✅ Easy to get
- ✅ Simple to use
- ✅ Designed to help you build credit
Featured in:
The secured card for better credit
High approval rates
You’re closer than you think.
Low $100 deposit
Build credit with a low security deposit.
No credit inquiry
Apply confidently with no credit inquiry required.
$0 intro annual fee
Enjoy no annual fee for your first year, and .
What is a secured credit card?
The Self Visa Credit Card is a secured credit card, meaning it’s backed by your own money. To open your account, you’ll make a security deposit of at least $100. That deposit becomes your credit limit, which is the amount you can spend with the card. Compared to traditional credit cards, secured cards are typically easier to qualify for. That makes them a good option for people who are new to credit or working to rebuild their score. With on-time payments and responsible use, the Self Visa Credit Card can help you build credit over time.
| Secured credit card | Traditional credit card | |
|---|---|---|
| Best for | Building or rebuilding credit | Maintaining credit |
| Credit check | Typically not required | Required |
| Security deposit | Refundable deposit required | Not required |
| Approval | Easier to get approved | Based on credit history |
| Credit limit | Often based on deposit | Based on income and credit |
How the secured Self Visa Credit Card works
1
Apply online
Complete a short application with your basic personal information, plus your income and expense details.
2
Make a $100 minimum deposit
Fund your credit limit with a debit card, bank account or a .
3
Use your card to build credit
Make on-time payments and we’ll report to all three credit bureaus to help you grow your credit history.
How can I build credit with it?
Make on-time payments
Payment history makes up 40% of your VantageScore 3.0 credit score.
Keep your credit usage low
Try to use less than 30% of your credit limit. Using a smaller portion can help your credit grow over time.
Track your spending and due dates
Monitor your balances and stay on top of payment deadlines to support healthy credit habits and long-term growth.
Clear fees for the Secured Card
APR27.49%
Low security deposit$100
Intro annual fee for new customers (first year)$0
Standard annual fee$25
Instant debit fee$3.50
Late feeUp to $15
Returned payment feeUp to $15
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Frequently asked questions
No, applying for the Self Visa® Credit Card does not require a hard credit inquiry. This secured credit card is designed for credit building without the need for a traditional hard credit check, making it accessible for those looking to build or rebuild their credit.