With a Varo Believe card, that is.¹ There’s no credit history required. No massive income needed. And no interest or fees to put you out. Because building credit should always be this easy. For everyone.
The Easy Credit-Builder Card
BUILDING CREDIT? A TOTAL BREEZE.
What can good credit do for you? So much
A good credit history makes your life a whole lot easier—and gets you to your dreams faster.
Easier apartment rentals.
Better rates on insurance.
Better bank loans.
Utilities without deposits.
Fewer security deposits.
Stronger job applications.
Lower mortgage rates.
Higher credit limits.
Applying is easy
No credit score? No problem.
You’re more than your credit score. That’s why we don’t require you to have one to qualify for a Varo Believe card. You don’t need a high credit score or a high income, either. We welcome anyone who wants to build their credit. And get this: there’s no credit check to apply.
Building credit with the Varo Believe Card is as easy as…
1. Move money.Just transfer some cash to your Believe Account. That’s how much you can spend on your card.²
2. Spend money.Groceries. Gas. Bills. Even subscriptions. Every purchase helps build your credit.
3. Track your progress.With Safe Pay³ on, we automatically cover your purchases every month and report this to the credit bureaus. All you gotta do is watch your score tick up in the app.⁴
Every purchase counts
A cup of coffee. Some toothpaste. It all builds your cred.
If you’re spending, you might as well build credit while you’re at it. Think: stuff you buy on the daily (wherever Visa® is accepted). Food. Gas. Your phone bill. Varo takes your funds and covers those little purchases automatically. It’s that easy.
YOU’VE GOT CRED.
Varo shares your Believe Card activity—including your on-time payments—with all three major credit bureaus every month. So just sit back and watch your credit score grow right in the app.⁴
Track your score
Keep tabs on the progress you make.
See your credit score right from your Varo app.⁴ That way, you can easily keep track of your progress, whenever, wherever.
Qualifying for the Believe Card is really, really easy.
Just make sure you've got:
A Varo Bank Account with money in it (and no overdue Varo Advance)
$200 or more in Incoming Deposits (in the past 31 days)⁵
Easy Credit Building FAQs
What is the Varo Believe Card?
What is Safe Pay?
What happens if I miss a payment?
How is Varo Believe different from other secured credit cards?
Is there an annual fee for the Varo Believe Card?
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.
GET YOUR CREDIT SCORE UP. NOTHING IS IN YOUR WAY.
It takes less than 2 minutes to sign up for a Varo Bank Account.