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

Everything you need to reach your goals.
easy

No Fees

worry-free

Real Progress


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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 Varo Believe. 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.
No interest. No fees. That’s kind of the point.
Varo Believe is designed to help you build better credit, not put you in more debt. No interest or annual fees means less stress and an easier, faster path to the future you want.
There's no better credit-building card out there.
Varo Believe card
- Any and all credit history accepted
- No credit score needed to qualify
- No credit checks needed to apply
- No minimum security deposit
- No interest
- No fees
- You set your own credit limit
Other secured cards
- Only good credit history accepted
- Credit score needed to qualify
- Hard credit check needed to apply
- $200-$300 security deposit⁶
- High interest⁷
- Fees
- Bank sets your credit limit
It really works. Don’t believe us. Believe them.⁸
Building credit with Believe is as easy as...

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 Believe is Super Easy
Just make sure you’ve got:
A Varo Bank Account with money in it (and no overdue Varo Advance)
$500 or more in qualifying direct deposits.¹⁰