The card with no credit check
Easy to get
Simple to use
Designed to help you build credit
A secured card that is:
The card with no credit check
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 check
Apply confidently with no credit check required.
$0 intro annual fee
Enjoy no annual fee for your first year, and just $25 after.
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
Building or rebuilding credit
Typically not required
Refundable deposit required
Easier to get approved
Often based on deposit
How the secured Self Visa Credit Card works
Apply online
1
Complete a short application with your basic personal information, plus your income and expense details.
How can I build credit with it?
Make on-time payments
Payment history makes up 40% of your VantageScore 3.0 credit score.
Clear and simple fees
APR
Intro annual fee for new customers (first year)
Standard annual fee
Late fee
Returned payment fee
Low security deposit
Instant debit fee
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Frequently asked questions
Open doors to new financial possibilities
Open doors to new financial possibilities
Self Financial Inc. 901 E 6th St. STE 400, Austin, TX 78702.
Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday
Self is not a bank. Secured Self Visa® Credit Card issued/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. Fees may reduce security deposit, which is returned upon account closure after settling outstanding balances. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility, including income and expense requirements and establishment of minimum $100 security interest. Criteria subject to change. Results vary. You may not receive an improved credit score based on your financial behavior, including missed payments with Self credit products and other creditor activity.
$0 annual fee for new customers for the first year only; $25 annually thereafter. Other fees apply. Variable APR of 27.99% based on the Prime Rate. Rate may vary.
All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.
Other factors, including activity with other creditors, may impact results. Failure to make monthly minimum payments by due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. Self is not a Credit Repair Organization. Self does not remove negative credit history from credit reports. Self products are not intended to provide advice or assistance related to a consumer’s credit record or history.
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© Self Financial, Inc.
How Much Will a Secured Credit Card Build My Score?
How to Build Credit With a Secured Credit Card
7 Ways to Build Credit When You Have No Credit History
How to Apply for a Credit Card for the First Time
Customer support: (877) 883-0999
Maintaining credit
Required
Based on credit history
Not required
Based on income and credit
Traditional credit card
Best for
Credit check
Approval
Security deposit
Credit limit
What is a secured credit card?
Make a $100 minimum deposit
2
Fund your credit limit with a debit card, bank account or a Self Credit Builder Account.
Use your card to build credit
3
Make on-time payments and we'll report to all three credit bureaus to help you grow your credit history.
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.
27.99%
$0
Up to $15
Up to $15
$3.50
$100
$25
Is there a hard credit check to get the Self Visa® Credit Card?
No, applying for the Self Visa® Credit Card does not require a hard credit check. 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.
What is the credit limit for the secured Self Visa® Credit Card?
Your Self Visa® Credit Card credit limit is based on your security deposit.You choose how much to deposit, starting at $100. That amount becomes your credit limit. For example, if you deposit $150, your credit limit will be $150. Over time, making payments on time may make you eligible for unsecured credit limit increases.
How does the Self Visa® Credit Card help build credit?
Credit improvement with the Self Visa® Credit Card depends on your credit profile and how you use the card. While we can’t guarantee specific score increases, the card can influence key credit score factors, including payment history and credit utilization, which together make up about 65% of your score. Making on-time payments and keeping your credit utilization low may help improve your credit over time.
Customer support:
1 (877) 883-0999
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