Varo Believe Secured Credit Card¹
Varo · VISA · not specified
The Varo Believe Secured Credit Card¹ is a credit card from Varo on the VISA network. It has an annual fee of $0.
Key facts
- Annual fee
- $0
- Purchase APR
- 0.00% APR
- Credit needed
- No Credit
- Network
- VISA
Benefits and perks
- Build your credit as you spend
- No annual fees or interest and No minimum security deposit
- No credit check to apply
- Set your own spending limit
- More than 90% of customers with no credit score had one after using the Varo Believe secured credit card for just one month²
- Varo Believe Card customers, on average, see a 40+ point increase in their credit score after 3 months of on-time payments
- Reports to all 3 major credit bureaus
- Open a Varo Bank Account to start qualifying
- 1 The Varo Visa® Believe Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.
- 2 As of September 2, 2025. Data based on comparison between VantageScore® 3.0 score from the initial pull after Believe card activation and the VantageScore® 3.0 score pulled after one month of reporting Believe Card activity. Individual results may vary.
- 3 Member FDIC
Rates and fees
Annual membership fee: $0. Purchase APR: 0.00% APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 30 Aug 2026. See the issuer's terms for current rates.
Questions about the Varo Believe Secured Credit Card¹
What is the annual fee on the Varo Believe Secured Credit Card¹?
The Varo Believe Secured Credit Card¹ has an annual fee of $0.
What credit score do you need for the Varo Believe Secured Credit Card¹?
The Varo Believe Secured Credit Card¹ is generally listed for applicants with no credit credit. Approval also depends on income and the issuer's own criteria.
Is the Varo Believe Secured Credit Card¹ worth it?
The Varo Believe Secured Credit Card¹ is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
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