Credit cards are often difficult to access without a long financial history or perfect credit score. The Self Visa Secured Credit Card breaks away from that model, offering a flexible, supportive path for individuals looking to build or rebuild credit from the ground up.
With a unique focus on savings and credit development combined, this card empowers users to take control of their financial future. It teaches responsibility while offering the practical tools needed to make steady progress—no upfront deposit, no barriers to entry.
A Simple Way to Rebuild or Start – Self Visa
- Open to First-Time Users
This card is ideal for people with no credit history. Whether you’re a student, young adult, or someone recovering from financial struggles, you’re welcome to apply. - Save First, Spend Later
Before getting the card, you’ll build savings through a Self Credit Builder Account. After reaching the necessary amount, a portion becomes your deposit to secure the card. - No Impact on Your Credit When Applying
Many credit card applications come with a hard credit inquiry that can lower your score. That’s not the case with Self—your application won’t negatively affect your credit profile. - Activity Reported to All Credit Bureaus
Your payment history with the Self Visa is shared monthly with all three major credit bureaus. This helps establish or rebuild your credit profile across the board. - Credit Limit Matches Your Deposit
Your credit limit is determined by how much you’ve saved in your Credit Builder Account. It gives you full control while promoting smart credit usage. You’re never spending more than what you’ve set aside—this keeps your debt manageable and your credit utilization healthy. - No Overdraft Worries
Since the card is secured and backed by a deposit, there’s no risk of overdraft or going beyond your limit. It’s a safe way to use credit while protecting yourself from common pitfalls. - Designed for Broad Eligibility
You don’t need high income, co-signers, or an extensive credit history to apply. U.S. residents aged 18 and older with a Social Security Number are welcome. This inclusivity makes the Self Visa a rare option for individuals often left out by traditional financial institutions. - Everything in One App
Self’s mobile app allows users to manage their card, track savings, and monitor credit growth in one convenient place. - Start Small, Grow Over Time
This card is a stepping stone to greater financial freedom. With discipline and time, users can move on to higher-limit cards, better loan rates, and stronger credit confidence.
Qualification Requirements
- Open and fund a Credit Builder Account. This is the first step in qualifying for the secured credit card.
- You must be a U.S. resident with a Social Security Number. These details are needed to verify your identity and report your progress.
- You must be at least 18 years old. Legal adult status is required to open the account and access the card.
- No active bankruptcy allowed. Individuals currently undergoing bankruptcy are not eligible for the card.
- Complete all identity verification steps. You’ll be asked to submit documentation to confirm your personal details.
- Reach the required savings amount. Once your Credit Builder Account reaches the necessary balance, you become eligible to apply.
How to Apply for the Self Visa Secured Card
- Create your Credit Builder Account with Self. This involves choosing a savings plan and linking a payment method.
- Make monthly savings contributions. These go toward your deposit and help establish your payment history.
- Track your progress via the Self app. You can monitor both your savings and changes in your credit score.
- Wait for your eligibility notification. Once your account balance qualifies, you’ll receive an invite to apply for the card.
- Decide your deposit amount. Choose how much of your saved funds will become your secured deposit and credit limit.
- Activate and use your Self Visa. Start using the card responsibly while continuing to save and grow your credit.
Frequently Asked Questions
Who is this card designed for?
It’s ideal for people with no credit history or those rebuilding their credit after financial challenges.
Do I need to make a deposit right away?
No. You build the deposit over time through the Credit Builder Account before getting the card.
Can I monitor my credit score?
Yes. The Self app provides regular updates on your score and account activity.
Will this help me get better credit products later?
Yes. Responsible use of the Self Visa can help improve your score, opening access to more financial opportunities.
