Self Visa Secured Review

Build credit while you save, with a card that empowers responsible habits and keeps you in control.

For many individuals, building credit isn’t just about numbers—it’s about creating new opportunities and setting the foundation for future goals. The Self Visa Secured Credit Card is designed for people who are ready to take that first step, offering a simple and supportive path toward stronger financial health.

What makes this card stand out is its thoughtful approach to both savings and credit building. It’s more than a payment tool—it’s a structured plan to help users understand credit, make consistent progress, and stay motivated along the way.

Rebuild Credit Smarter with Self Visa

• No Credit Score? No Problem
  The Self Visa Secured Credit Card doesn’t require an existing credit history. This makes it ideal for people starting from scratch, including students, immigrants, or anyone recovering from credit setbacks.
• Connected to Your Savings Journey
  Before receiving the card, users fund a Self Credit Builder Account. Once enough savings have accumulated, a portion can be used as the deposit for the secured card. This structure promotes discipline and responsibility.
• Application Without Hard Credit Check
  Applying for the Self Visa does not involve a hard credit inquiry, so there’s no initial impact on your credit score. This feature is especially important for those cautious about applying for new financial products.
• Your Credit Activity Is Reported Monthly
  The Self Visa Secured Credit Card reports all activity to the three major credit bureaus, giving your payment history maximum visibility. This boosts your ability to build or repair credit efficiently.
• You Control the Limit
  The amount you save determines your card’s credit limit. This means you won’t spend beyond your means, and you can gradually increase your limit by saving more.
• No Overdraft or Surprise Fees
  As a secured credit card, Self Visa lets you spend only what you’ve deposited. There’s no risk of overdrafting, which means fewer surprises and less stress about managing your balance.
• Eligibility Is Straightforward
  Self has streamlined the process for getting approved. There’s no need for high income, a long credit history, or other traditional requirements. Just consistent savings and a U.S. address.
• Access Everything from the Mobile App
  Self’s user-friendly mobile app lets you monitor your savings, view your credit score, and manage your card with ease. It keeps you informed and engaged every step of the way.
• Supports Long-Term Credit Goals
  The Self Visa isn’t just about building credit—it’s about transforming your financial path. Whether you’re working toward a car loan, mortgage, or better credit card, this secured option helps you move forward with purpose.

Qualification Requirements

• Applicants must open a Self Credit Builder Account first. This account will fund the required security deposit and help establish savings habits.
  
• Must be a legal U.S. resident and have a Social Security Number. Identity verification is required during the application process.
  
• You need to be at least 18 years old. The product is available only to individuals who meet the legal age for financial agreements.
  
• No ongoing bankruptcies allowed. The card is designed for users actively rebuilding, not those currently in bankruptcy proceedings.
  
• Savings threshold must be met before applying. The minimum deposit for the card is based on how much has been saved through the Credit Builder Account.
  
• Identity documents must be provided for verification. This ensures safety and compliance with financial regulations.
  

How to Apply for the Self Visa Secured Card

1. Create your Credit Builder Account with Self. Select a plan and start making regular payments toward your savings.
   
2. Build your savings over time. Your payments accumulate in the account and serve as the foundation for your security deposit.
   
3. Track credit activity and progress. The mobile app offers tools to see how your credit score evolves over time.
   
4. Unlock your eligibility. After enough savings have been deposited, you’ll be invited to apply for the secured card.
   
5. Decide your deposit amount. Choose how much of your savings you want to allocate as collateral, which will determine your credit limit.
   
6. Receive and activate your card. Once approved, you can begin using your card for purchases while continuing to grow your credit.
   

Frequently Asked Questions

Can I qualify if I’ve never had a credit card?
Yes. This card is specifically designed for people with no prior credit history.

Is the deposit refundable?
Yes, once the Credit Builder Account is completed and closed in good standing, your deposit is returned.

Will using the card increase my credit score?
Responsible use, including on-time payments and low utilization, can help improve your credit score over time.

What’s the difference between this and a traditional secured card?
Instead of requiring an upfront deposit, you build the deposit over time through your Credit Builder Account.