Is secured Self Visa® Credit Card the right fit for you?

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Last Updated: 03/27/2026

secured Self Visa® Credit Card

Q: Does secured Self Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. Zero fraud liability, and Reports to major credit bureaus Click here for a full list of benefits.

Q: What are the fees for secured Self Visa® Credit Card?

This card charges an annual fee of $25 $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only. . There is a late fee starting at $15.

from Self Financial Inc

Last Updated: 03/27/2026

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Strongly recommended18 total votes

16 users recommend

2 users don't recommend

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Highlights

Community Rating

Strongly recommended

Purchase APR (Variable APR)

Starting at 27.49%(Verified 02/02/2026)

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Balance Transfer APR (Variable APR)

N/A(Verified 02/02/2026)

Credit Score Range

300 - 670

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Annual Fee

$25

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Number of Reviews

secured Self Visa® Credit Card Review

This is a secured credit card issued by Lead Bank or First Century Bank, N.A., each Member FDIC. If you're wondering whether secured Self Visa® Credit Card is the right card for you, read on.

Key Takeaways

Account requirements: There’s no credit check or hard pull to get a Self Visa® Credit Card. You just need $100 for the security deposit and meet income and expense requirements.
APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 27.49%
$0 intro annual fee for the first year. $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.
Soft credit pull. You can check whether you qualify for secured Self Visa® Credit Card without a hard pull on your credit report. Most credit card issuers don't offer this option.
Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of secured Self Visa® Credit Card

The Good

The Bad

No annual fee during the first year.
Considers applicants who don't have a credit history.
secured Self Visa® Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs.
Charges an annual fee of $25
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

secured Self Visa® Credit Card FAQ

Does secured Self Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

secured Self Visa® Credit Card Rewards Breakdown

Description

Zero fraud liability
Reports to major credit bureaus

Click here for a full list of benefits.

What are the relevant APRs for secured Self Visa® Credit Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.**

Secured Self Visa® Credit Card has a variable purchase APR starting at 27.49%. secured Self Visa® Credit Card does not offer balance transfers.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does secured Self Visa® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. secured Self Visa® Credit Card does not offer balance transfers.

Does secured Self Visa® Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for secured Self Visa® Credit Card?

secured Self Visa® Credit Card Fees

Description

Returned Payment Fee

Starting at $15

Annual Fee

$25 (see terms and conditions)

No Annual Fee First Year?

Late Fee Amount

Starting at $15

This card charges an annual fee of $25^*$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only. .

There is a late fee starting at $15.

What is the customer service phone number for secured Self Visa® Credit Card?

The customer service number for secured Self Visa® Credit Card is (877) 883-0999.

What is the support contact email for secured Self Visa® Credit Card?

The support contact email for secured Self Visa® Credit Card is help@self.inc.

How do people rate the customer service and user experience of secured Self Visa® Credit Card?

Overall, secured Self Visa® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does secured Self Visa® Credit Card report your account activity to credit bureaus?

Yes, secured Self Visa® Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Self Financial Inc perform a hard credit pull?

No, Self does not perform a hard pull on your credit for the secured Self Visa® Credit Card.

How to apply for secured Self Visa® Credit Card

Visit the website of secured Self Visa® Credit Card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

secured Self Visa® Credit Card Disclosure:

* Criteria subject to change. $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Limited-time offer for new accounts opened during the promotional period.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest.

**Federal Reserve Rate Data.

Deposits are returned upon account closure after settling outstanding balances.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from secured Self Visa® Credit Card

At Self, we believe everyone should have the ability to improve their financial future. With over 4.1M members, our mission comes to life with the secured Self Visa® Credit Card - designed for those building or rebuilding credit.

Choose your path by either funding with a $100 security deposit or open a Credit Builder Account starting at $25/month to build credit and savings over time. On-time payments help unlock the secured card and build your credit.

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +78, or 4.6 on a 5-point rating scale.

+78

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

secured Self Visa® Credit Card Community Reviews

Would you recommend secured Self Visa® Credit Card to your friends?

Rebecca G.

Mar 27, 2026

May or may not recommend

I still remember the night I sat alone in the dark in our small room in Boston, tears streaming down my face as my little daughter asked, “Mummy, why can’t we have a better house like Aunty’s? Why do we always have to say no?” My heart broke into a thousand pieces. For years, hidden negative marks on my credit a lot debts from when my husband left us, medical bills ...Show More

Robert R.

Aug 5, 2025

May or may not recommend

Low entry point at $100; app tells me when I'm over 30% of my credit limit AMAZING! Building up my credit limit monthly. Love this card.

John T.

Aug 1, 2025

May or may not recommend

I started with the Self credit builder account and got the visa card once I’d saved up a bit. Super easy—no hard credit check, and they used the savings I was already building as the deposit for the card. What I appreciated was how automatic everything felt. Every time I made an on-time payment to the builder account, my credit limit on the card could go up by picking my credit ...Show More

Ryan S.

Aug 1, 2025

May or may not recommend

A great product for building credit. Easy to use web and app interface with meaningful financial advice to keep you on track!

Jim M.

Aug 1, 2025

May or may not recommend

This card has been highly effective for me. I get flexibility when I need it, it is easy to use and the app is very intuitive.

Anonymous

Jul 31, 2025

May or may not recommend

I love this card! As I make on-time payments, I get the option of increasing my credit line WHILE I am improving my credit score. So far, it's gone up 132 points!

Casey B.

Jul 31, 2025

May or may not recommend

Easy to log in and pay or use autopay. No monthly fee, but there is an annual fee

Kim C.

Jul 31, 2025

May or may not recommend

total game-changer—super easy to use, and it’s helped me build my credit score faster than I ever expected!

Tim C.

Jul 23, 2025

May or may not recommend

This secured card is beneficial, especially with such a low funding minimum. I love the option of using the credit builder account to fund the card too!

Shelby S.

Jul 14, 2025

May or may not recommend

The Self Secured Visa card is a great product, and I would highly recommend it for anyone who is looking to build or rebuild credit!

Julie S.

Jul 11, 2025

May or may not recommend

Easy to use. Great notifications of usage - my son 'borrowed' it and bought a treat at 7-11 and I busted him because of the notification! Nice blue color that is bright and makes my day. Frequent credit limit increases.

Blix M.

Jul 11, 2025

May or may not recommend

Awesome card, thanks for building my credit!!! Will recommend to friends and family! :)

Jessica R.

Jul 11, 2025

May or may not recommend

The Self Secured Credit Card is one of the easiest to qualify for, with one of the lowest deposit requirements available. It's perfect for anyone looking to establish or rebuild their credit.

Kyle D.

Jul 10, 2025

May or may not recommend

I picked self bc of the low deposit and no credit check. The card is great and I signed up for a credit builder account as well! Love Self!

Katherine M.

Jul 10, 2025

May or may not recommend

This card has been super helpful. I needed something to help rebuild my credit, and this was really easy to get started with. $100 security deposit is the lowest I found with no credit check. Recommend Self to anyone looking for a secured card.

Anonymous

Apr 24, 2025

May or may not recommend

Easy sign up, no credit check, low security deposit and focused on credit building!

Cristian C.

Mar 3, 2023

May or may not recommend

The worst experience in my life dealing with this credit card. It suppose to help people like myself built credit not ruin it. The whole payout is a fraud and way too many fees. I had to close both my credit builder account and my Self CC and they were supposed to be cleared but somehow I still have a pending balance after it was supposed to be ...Show More

Anonymous

Nov 10, 2022

May or may not recommend

At 1st it was a good card I was paying my balance off every week until I got an email they was closing my account for failed payments that I didn't know anything about. And no one is trying to help at all and you would think that they would be more then happy to help after looking at my account and my payment history. Like who would try to ...Show More

Showing 18 of 18 reviews