Secured Self Visa® Credit Card
- Credit Cards
- Secured Self Visa® Credit Card
Secured Self Visa® Credit Card Review
The Secured Self Visa® Credit Card is a simple and accessible secured card designed to help you build credit.
EditorBuild your credit with responsible use – no credit check or credit score required
on Self's secure site
- Reports to all 3 major credit bureaus to build credit history, and lift your credit score with responsible use
- Be automatically considered for a higher credit line in just 6 months – no extra deposit needed
- Enjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
- $0 intro for the first year, $25 thereafter*
- Bad, Limited, Rebuilding
Pros
- There is no credit check or credit score required and a high approval rate – ideal for those who are building or rebuilding their credit.
- Making on-time payments and keeping your credit utilization low with this card may help lift your credit over time.
- Be automatically considered for a higher credit line in just 6 months.
Cons
- Cardholders will not earn rewards with this card, like some secured credit cards offer.
- There is an annual fee after the first year of $25.
- This card cannot be used outside the U.S.
Pros Explained
Cons Explained
Our Expert Review
If you are new to credit or looking to rebuild your score, a secured card like the Secured Self Visa® Credit Card is a smart option to consider. This card requires a refundable security deposit of at least $100, which becomes your credit limit. Responsible actions like making on-time payments and keeping your credit usage low may help lift your credit score over time, while allowing you to build your credit history by reporting to all three major credit bureaus.
This card is designed with accessibility in mind. It has a high approval rate, there’s no credit check or credit score required, and you can see if you’re approved in minutes. With its minimum $100 deposit – one of the lowest in the industry – it provides an accessible entry point. Alternatively, those who may not have the deposit up front can build savings over time through Self’s Credit Builder Account¹ and use that to fund the security deposit for the card.
The intro annual fee is $0 for the first year, for new accounts only, $25 thereafter², and there’s no rewards program with the Secured Self Visa® Credit Card. However, that’s typical for a secured card – it still offers solid value. Enjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy and use it anywhere Visa is accepted in the U.S. Plus, after just six months, you’ll be automatically considered for a higher credit line without adding to your deposit. And with free credit score access and easy account management through the app or online, this card is a straightforward option for anyone focused on building credit.
- Self is not a bank. The Secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks; N.A., or First Century Bank, N.A., each Member FDIC.
- ¹Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval.
- ²$0 intro annual fee for the first year only, for new customers only, $25 thereafter. Variable APR of 27.49%.
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