Varo Believe Credit-Builder Card

BUILD CREDIT. THE EASY WAY.

You’ve got what it takes to better your credit. And the Varo Believe card has everything you need to make it happen. It’s easy, worry-free, there are no fees, and the best part? It’s working for tens of thousands of people.¹

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Credit builder features

Everything you need to reach your goals.

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Worry-free credit building

Build your credit without digging yourself deeper.

How? With your own money. Since you set your own spending limit, you won’t be spending more than what you have.⁴ It’s like a safety net that you create yourself.

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Credit building for all

No credit score? No problem.

Pretty much anyone can build credit with the Varo Believe Card. No credit score? That’s okay: more than 90% of Varo Believe Card customers with no credit score had a score after just one month.³ Plus, there’s no minimum security deposit either. 

Zero Fees

No interest. No fees. That's kind of the point.

Varo Believe is meant to help you, not hurt you—which is why we don't charge interest or annual fees. And there’s no credit check to apply.

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Varo Believe
Up to 34.49% Variable APR⁶
Petal® 1 No Annual Fee Unsecured Credit Card
27.99% Variable APR⁶
Discover it® Secured Credit Card
30.49% Variable APR⁶
Capital One Platinum Secured Credit Card
0%
Varo Believe
Up to 34.49% Variable APR⁶
Petal® 1 No Annual Fee Unsecured Credit Card
27.99% Variable APR⁶
Discover it® Secured Credit Card
30.49% Variable APR⁶
Capital One Platinum Secured Credit Card

There's no better credit-building card out there.

Varo Believe card

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  • List iconAny and all credit history accepted
  • List iconNo credit score needed to qualify
  • List iconNo credit checks needed to apply
  • List iconNo minimum security deposit
  • List iconNo interest
  • List iconNo fees
  • List iconYou set your own credit limit

Other secured cards

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  • List iconOnly good credit history accepted
  • List iconCredit score needed to qualify
  • List iconHard credit check needed to apply
  • List icon$200-$300 security deposit⁶
  • List iconHigh interest⁷
  • List iconFees
  • List iconBank sets your credit limit

MOMENTS OF PROGRESS ⁸

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Easy credit-building

Buy the stuff you already buy to build that credit. No biggie.

Coffee. Gas. Groceries. Subscriptions. Even bills. You can build credit with all the things you  buy on the daily (wherever Visa is accepted). It’s that easy.

Qualifying for the Varo Believe Card is super easy.

Just make sure you’ve got:

  • A Varo Bank Account with money in it (and no overdue Varo Advance)

  • $200 or more in Incoming Deposits (in the past 31 days)¹¹

Already a customer? See if you qualify.

Better credit is possible.

Sign up for a Varo Bank account in less than 2 minutes. It’s free, easy, and there’s no impact to your credit score.

FAQ
Why should I get the Varo Believe Secured Credit Card?
How is my credit (spending) limit determined?
What is the Varo Believe Secured Account?
How long does it take for my Varo Believe Card to arrive?
How do I add money to my Varo Believe Secured Account?
Answer

It can be tough qualifying for credit cards or loans with little to no credit history. After all, you need to have credit products to start building credit.

A secured credit card, like the Varo Believe Card, gives you an opportunity to either rebuild credit or start building credit from scratch.