Starting from zero or rebuilding damaged credit can be discouraging without the right tools. The Self Visa Secured Credit Card was designed to remove traditional barriers, offering a straightforward and supportive way to build credit from the ground up.
This card does more than provide purchasing power—it helps users establish consistent habits, improve their credit score, and build a financial foundation. With a savings-first approach and an easy path to eligibility, it’s built for real people looking for real progress.
Start Strong, Stay on Track with the Self Visa
- No Prior Credit History Needed
Unlike many cards that require an established credit file, the Self Visa is open to applicants without any credit history. It’s ideal for those starting out or recovering from financial setbacks. - Works with a Credit Builder Account
Before the card is issued, users fund a Self Credit Builder Account. Once the account reaches the required balance, those funds serve as the deposit for the secured card. This approach turns saving into a stepping stone for credit-building. - No Hard Pull on Your Credit Report
Applying for this card doesn’t impact your credit score because there’s no hard inquiry. That means applicants can take a step forward without taking a step back. This is particularly helpful for users who are cautious about applying due to past credit challenges. - Monthly Reporting to Major Bureaus
Self reports all card activity to Experian, TransUnion, and Equifax. That means every on-time payment helps build your score across all three bureaus. With consistent effort, users can see measurable results in their credit growth. - Limit Tied to Your Deposit
The credit limit is based on how much you’ve saved in your Credit Builder Account. You’re in control of your spending limit and can increase it over time. This teaches responsible usage and helps prevent overextending. It’s a safer, more mindful way to use credit. - Zero Risk of Overspending
Since the Self Visa is secured, there’s no risk of spending more than you’ve deposited. It encourages healthy financial behavior and avoids potential debt traps. This design is perfect for beginners or those looking to regain control. - Easy Qualification for Most U.S. Adults
If you’re over 18, a U.S. resident, and have a Social Security Number, you’re already on your way to eligibility. The requirements are minimal and straightforward. This opens access to a broad group of users and reflects Self’s mission to make credit tools more inclusive. - User-Friendly Mobile Access
With the Self app, users can track payments, view savings progress, and monitor their credit scores. The app keeps everything in one place, making it easy to stay engaged. It’s more than just convenient—it’s empowering. - Supports Big Financial Goals
Whether you’re planning to buy a car, rent an apartment, or qualify for a better credit card in the future, the Self Visa helps lay the groundwork. It’s a foundational product that sets users on a path toward lasting financial opportunities.
Qualification Requirements
- An active Self Credit Builder Account is required. The account must be funded over time before the secured card becomes available.
- Applicants must be at least 18 years old. Legal adult status is required to enter into credit agreements.
- A valid U.S. Social Security Number is needed. This ensures accurate credit reporting and compliance.
- You must live in the United States. Residency is required for eligibility and support.
- Bankruptcy must not be active. Applicants in current bankruptcy proceedings will not qualify for the card.
- You must meet savings requirements. The security deposit is funded through the Credit Builder Account, not paid upfront.
How to Apply for the Self Visa Secured Card
- Create a Credit Builder Account. Choose a plan and start making payments that will count toward your future secured card.
- Make on-time monthly contributions. These savings help establish your credit activity and move you toward eligibility.
- Track your progress with the Self app. Watch your savings grow and monitor your credit score over time.
- Reach the required savings amount. Once your account has enough saved, you’ll be invited to apply for the Self Visa.
- Choose your credit limit. Select how much of your savings you want to use as your security deposit.
- Begin using your secured card. Use the Self Visa for everyday purchases while continuing to build your credit.
Frequently Asked Questions
Can I get this card if I’ve never had a credit card before?
Yes. This product was designed for people with no credit history or limited credit experience.
Will using this card increase my credit score?
If used responsibly, yes. Timely payments and low balances can improve your score over time.
Do I need to deposit money before applying?
No. Your deposit is built over time through the Credit Builder Account.
Does applying for this card hurt my credit?
No. There’s no hard credit check when applying for the Self Visa.
