No credit check to apply
No interest, annual fees, or security deposit
Reports to all 3 major credit bureaus
Get started or rebuild with the Varo Visa® Believe Card¹
Secured credit card
BUILD CREDIT.
THE EASY WAY.
Open a Varo Bank Account to start qualifying
Everything you need to reach your goals.
No credit? No problem.
Build credit confidently.
Many credit cards for bad credit or no credit require unreasonable upfront deposits. The Varo Believe card offers a direct path to the credit you deserve. Our credit builder is perfect for beginning your credit journey, or for anyone ready to rebuild.
Why you'll love the Believe card.
Varo Believe credit card
Any and all credit history accepted
- No credit score needed to qualify
- No credit checks needed to apply
- No minimum security deposit
- No interest
- No fees
- You set your own spending limit
Other secured credit cards
Only good credit history accepted
- Credit score needed to qualify
- Hard credit check needed to apply
- $200-$300 security deposit⁵
- High interest⁶
- Fees
- Bank sets your credit limit
Credit builder with zero fees
No interest. No fees. That's kind of the point.
Varo Believe is designed to help you build better credit, not put you in more debt. No interest or annual fees means less stress and an easier, faster path to the future you want.
0.00% APR
Varo Believe Secured Credit Card
28.99% Variable APR⁷
OpenSky® Plus Secured Visa® Credit Card
27.24% Variable APR⁷
Discover it® Secured Card
29.74% Variable APR⁷
Capital One Platinum Secured Card
How Varo Believe works.
1. Open account & fund
Sign up for a Varo Bank Account. Once you qualify, transfer money into your Varo Believe Secured Account.¹
2. Spend & build
Groceries, gas, bills. Turn Safe Pay⁸ on to cover your expenses every month, and your spend gets reported to the credit bureaus.
3. Track your progress
Monitor changes to your credit score directly in the Varo app. It’s really that easy.
How to qualify for Believe.
Qualifying for the Varo Believe Card is super easy. Just make sure you’ve got:
A Varo Bank Account with money in it
No overdue Varo Advances
Incoming deposits equalling $200 or more over the past 31 days⁹
Already a customer? See if you qualify.
YOU’VE GOT CRED.
Varo sends the credit activity from your secured credit card to the three major credit bureaus.
So all you have to do is keep eyes on your score—right in the Varo app.¹⁰
IT REALLY WORKS. DON'T BELIEVE US, BELIEVE THEM.¹¹
“The Believe card has definitely helped my credit score go up.”
Daniela C.
“The Varo Believe card has helped me improve my credit because it reports to the credit bureaus on how you’re spending. So it really does help boost your credit score.“
Adri C.
“I've noticed an extreme amount of change - within a three month period about 140 points.“
Tracy H.
“The Believe card has really improved my credit.“
Malcolm T.
“Being able to see your credit score increase, it’s boosted my confidence a lot.“
Austin P.
“I’ve noticed every month my credit score has gone up by a couple points here and there, just by me using the Varo Believe credit card.“
Albery F.
Credit Builder FAQs
What is the Varo Believe Card?
How is Varo Believe different from other secured credit cards?
Is there an annual fee for the Varo Believe Card?
Do I need a good credit score to apply for Varo Believe?
Does Varo Believe spend get reported to credit bureaus?
Answer
The Varo Believe Card¹ is a secured credit card designed to help you build credit without a traditional security deposit. Instead, your spending limit is secured by funds you move into your Varo Believe Secured Account, providing a safe and effective way to establish credit.
With Safe Pay⁸, we will automatically pay your credit card balance as well, using the funds in your Varo Believe Secured Account.
The credit builder you’ve been looking for.
Sign up for a Varo Bank Account today and apply for a secured credit card like no other.¹