Terms checked 2026-10-12
No deposit minimum, no interest, no fees: just your own money building credit.
Special bonusAF: $0Rating: 6.6/10
Varo
Varo Bank is the first US consumer fintech to hold its own national bank charter, offering fee-free banking alongside the Believe secured charge card. The Believe card serves Varo banking customers who want to build credit with no fees, no interest, and no fixed deposit minimum.
Application Rules
- ▸No credit check: approval requires a Varo Bank account with $200 or more in deposits in the past 31 days
- ▸Any deposits count toward the $200, not just payroll direct deposits
- ▸Reports to all three bureaus monthly as a secured credit line
Tracked Varo Cards