Self Visa Credit Card
Credit Card Review
Card Specifications
- Annual Fee
- $0
- APR Range
- 26.90% variable
- Recommended Credit Score
- Bad to Limited Credit
Editorial Review
The Self Visa Credit Card is designed to work alongside Self's Credit Builder Account (a credit-builder loan product). While it technically doesn't require a traditional security deposit, you do need to have an active Self Credit Builder Account to qualify. This card is one of the few unsecured options available to people with poor or limited credit. It reports to all three major credit bureaus and charges no annual fee, making it cost-effective for credit building. The APR is high, so carrying a balance is expensive, but for users already engaged with Self's credit-building program, this card adds another positive tradeline to help boost scores.
Pros
- •No annual fee
- •No security deposit required
- •Designed for credit builders
Cons
- •Requires Self Credit Builder Account
- •High APR
- •Low initial credit limits
Money Matters Verdict
The Self Visa Credit Card pairs perfectly with Self's credit builder loan, creating a comprehensive credit-building strategy. It's ideal for those already using Self's ecosystem who want to add a credit card component.
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