Self Secured Visa
By Alex Compton · Last verified
Turn credit builder loan savings into a secured card without new cash.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card is purely for building credit
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Fund the deposit with $100 of Credit Builder Account savings progress, no new cash needed
- ✦Direct funding with a debit card or bank account is also available
- ✦No credit check to apply
- ✦Annual fee waived the first year, $25 after
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Stacks a loan tradeline and a card tradeline from one program
- +Deposit can come from money you already saved through Self
- +No hard pull at any step
Where it costs you
- −$25 annual fee after year one
- −27.49% variable APR and no rewards
- −Card route through the Credit Builder Account requires three on-time loan payments first
The Compound Verdict
Self's pitch is the combo: the credit builder loan reports as an installment account, then the card adds a revolving account, and your loan savings fund the deposit. Two tradeline types beat one for scoring. As a standalone secured card it is mediocre, so only take this route if you are using the loan too.
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