VisaSelf Secured Visa
Turn credit builder loan savings into a secured card without new cash.
Welcome Bonus
None
No welcome offer
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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 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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