The Varo Believe Card’s got your back.¹ With this card, you use your own money to build your credit. That way, you won’t have to worry about digging yourself deeper. Just keep moving forward at a chill pace.
Your Worry-Free Credit-Builder Card
KEEP CALM & LET YOUR CREDIT BUILD ON.
On your terms
Build your credit & crush those goals. Your way.
The Varo Believe Card lets you build credit at your own pace. With your own money. You set your spending limit—because you’re the one funding your account—so you know exactly how much you can spend.²
Never miss a payment
Safe Pay’s got your balance. Every time.
When you’ve got Safe Pay³ on, you can’t mess up. Every month, we take the money you moved into your account and use it to cover your purchases. Basically, the Varo Believe Card helps you build your credit—without you having to worry about a thing.
Track your score
Oh, you bet we’re keeping score.
Check in on your credit score whenever, wherever⁴—right from the Varo app. And get this: Varo Believe Card customers, on average, see a 42-point increase in their credit score after three months of on-time payments.⁵
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
Zero Fees
No interest. No fees. That's kind of the point.
Varo Believe is meant to help you, not hurt you—which is why we don't charge interest or annual fees. And there’s no credit check to apply.
0%
Varo Believe
Up to 34.49% Variable APR⁷
Petal® 1 No Annual Fee Unsecured Credit Card
27.99% Variable APR⁷
Discover it® Secured Credit Card
30.49% Variable APR⁷
Capital One Platinum Secured Credit Card
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.
THE STRESS-FREE, WORRY-FREE WAY TO BUILD CREDIT.
It takes less than 2 minutes to sign up for a Varo Bank Account.⁷
Qualifying for the Varo Believe Card is super 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)¹
Stress-Free Credit Building FAQs
What is the Varo Believe Card?
How is Varo Believe different from other secured credit cards?
Does Varo Believe spend get reported to credit bureaus?
How long does it take for my Varo Believe Card to arrive?
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.