Start your credit journey with a card that’s specifically designed for those with limited or no credit history. The Self Secured Visa® Card combines a low minimum deposit, no upfront credit check, and automatic credit bureau reporting in a seamless package. It’s more than a card—it’s a credit-builder.
🎁 Rewards
- No cashback or rewards program—this card focuses solely on building credit through disciplined use.
💸 Economy (Fees & Rates)
- $0 annual fee for the first year; $25 per year starting Year 2.
- Variable APR ~28.24%—avoid carrying a balance to dodge interest charges.
- No introductory APR, no balance transfers.
🧰 Financial Tools & Benefits
- No credit check required to apply—eligibility via credit-builder loan.
- Low minimum deposit: start with as little as $100, which becomes your credit limit.
- Reports monthly to Equifax, Experian, and TransUnion, building your credit history with responsible use.
- Earners also open a Self Credit-Builder Account, combining an installment loan and secured card for a stronger credit mix.
🛠 Technology & Convenience
- Visa contactless, compatible with Apple Pay®, Google Pay™, and Samsung Pay™.
- Fully manageable via the Self mobile app and portal—track payments, balances, and credit progress.
🔐 Security
- Visa Zero Liability covers unauthorized purchases—your money stays safe.
- EMV chip technology and regular monitoring help secure your account.
📄 Terms & Conditions Summary
| Feature | Details |
|---|---|
| Annual Fee | $0 first year, $25 afterward |
| APR | ~28.24% variable |
| Deposit / Credit Limit | $100–$3,000 refundable |
| Balance Transfer / Cash Adv. | Not available |
| Foreign Transaction Fee | Typically none |
| Credit Bureau Reporting | Monthly to all three bureaus |
Pro Tip: Always pay your balance in full every month to avoid interest and maintain a low utilization (~10–30%). After ~6 months of good payment habits, you may qualify for Self Plus, an unsecured Visa with a $35 annual fee.
✅ How to Apply
- Start with a Credit-Builder Account on Self’s app or website.
- Make 3 consecutive on-time payments (≥ $25 each month).
- Ensure you’ve saved at least $100 in that account.
- Apply for the Secured Visa—no hard credit check needed.
- Choose your security deposit (minimum $100).
- Upon approval, receive your card, activate it, and begin responsible spending.
- Make on-time payments and monitor your credit regularly via the app.
🎯 Final Takeaway
The Self Credit Builder Secured Visa® Credit Card is ideal for those with little or poor credit who want a direct, low-barrier way to build a solid credit history. With a $100 minimum deposit, no hard pull, and full credit bureau reporting, it’s accessible and purposeful. Skip it if you expect to carry a balance or want rewards—but it’s a strong starter card for intentional credit growth.
Apply today to begin your credit journey wisely and strategically.
