Self Secured Visa
By Alex Compton · Last verified
Turn credit builder loan savings into a secured card without new cash.
Welcome Bonus
None
No welcome offer; $0 intro annual fee in the first year for new customers, then $25
Spend Requirement
None
Annual Fee
$25
3% FTF
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; $0 intro annual fee in the first year for new customers, then $25 | Self Visa Credit Card product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
APR now 27.74%; $0 intro fee first year then $25 and $100 minimum deposit confirmed.
Fields: cons, benefits
Self Visa Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Fund the $100 minimum deposit with 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
- −27.74% variable APR and no rewards
- −Funding the deposit through the Credit Builder Account depends on your loan savings progress
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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