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Varo Believe Secured Credit Card

Start building credit today.

  • No minimum security deposit
  • No annual fee or interest
  • No hard credit check to apply

Open a Varo Bank Account to get started.

Apply Now

Good credit. Better life.

Get on the path to achieving your goals with a Varo Believe Card.

Every purchase can build credit.

Spend like you already do. Every time you make an on-time payment, you’re building your credit history.

No interest.
No nonsense.

Yeah, you read that right. No APR. No hefty security deposit required. No BS. We make building credit easy.

Build credit1. Avoid debt.

Use your own money to start building credit responsibly, so you don’t fall into unmanageable debt.

Earn cashback from your favs.

Rack up cashback from more than 50 brands when you shop online or in-store with your Varo Believe Card.2

How the Varo Believe Card works.

1. Add money.
Transfer money from your Varo Bank Account to your Varo Believe Secured Account. This is what you can spend on your card.
2. Use your card.
It works everywhere Visa® is accepted. From gas stations to grocery stores.
3. Build credit history automatically.
Turn on Safe Pay to pay your statement balance using the money you already added.3
4. Track your score.
We'll report your payment history to the three major credit bureaus and display your current credit score in the Varo app.

See how Varo Believe stacks up

Other Secured Cards


Up to $500 deposit required4


Charges annual fee


Fully locked security deposit


Hard credit check required


High APR rates up to ~23%5


Credit reporting


No minimum security deposit


No annual fee


Pay balance with security deposit


Helps you avoid runaway debt


No hard credit check to apply


Credit reporting

What you need to get started.

  • $500+ in qualifying direct deposits.6
  • A Varo Bank Account without a negative balance or an overdue Varo Advance.
  • Additional qualifications apply.

Your questions, answered.

What’s the Varo Believe Program?

The Varo Believe Program is designed to help you build your credit. It includes the Varo Believe Card to use for everyday purchases and the Varo Believe Secured Account, a deposit account that acts as security for your monthly Varo Believe Card payment, and is used to set the spending limit on your Varo Believe Card.

Varo will report on your payment history to the major credit bureaus - TransUnion®, Equifax®, and Experian®. Building credit may take time and the Varo Believe Program may be able to help when you consistently make on-time payments.

Is the Varo Believe Card a secured credit card?
Yes, the Varo Believe Card is a secured credit card. However, unlike a traditional secured credit card, there’s no minimum security deposit. Instead, you choose your own spending limit for the Varo Believe Card based on the amount you transfer from your Varo Bank Account to your Varo Believe Secured Account.
Why should I get the Varo Believe Secured Credit Card?

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.

What is the Varo Believe Secured Account?
The Varo Believe Secured Account is a deposit account that acts as security for your monthly Varo Believe Card payment. Every time you make a purchase or take a cash advance from an ATM with your Varo Believe Card, the amount you have spent is secured to help you pay your statement at the end of the billing cycle. Any unspent amount in the Varo Believe Secured Account remains available to spend into the next billing cycle.
How do I add money to my Varo Believe Secured Account?

To add money to your Varo Believe Secured Account, open the Varo Believe account dashboard in the Varo app and tap Add Money.

You can only move money into the Varo Believe Secured Account from your Varo Bank Account.

What is Safe Pay?3

Safe Pay is a feature that’ll automatically pay your balance at the end of each billing cycle with the money secured in the Varo Believe Secured Account from your Varo Believe Card purchases.

When Safe Pay is on, your statement balance will be paid automatically at the end of each billing cycle, which is at least 21 days before the due date of the Statement. Turn on Safe Pay so you can build on-time payment history without the worry of missing payments.

What happens if I miss a payment?

If you miss a payment, you won’t be able to use your Varo Believe Card until you pay your overdue balance. Missed payments may be reflected on your credit report and can impact your credit score.

Turning on Safe Pay will help you avoid missing payments.

How is my credit (spending) limit determined?

You can make everyday purchases and get cash advances at ATMs with your Varo Believe Card up to your Available to Spend balance.

Your credit limit (spending limit) can’t exceed your Available to Spend Balance in your Varo Believe Secured Account, up to $2,500 per day for purchases or $1,000 a day for cash advances, totaling no more than $10,000 total per billing cycle.

How do I apply for the Varo Believe Card?

When eligible, you’ll be invited to apply in the Varo Bank app.

To apply, you need to have a Varo Bank Account that has received Qualifying Direct Deposits of $500 or more in the past 90 days. Additional qualifications apply including your Varo Bank Account must be in good standing.

Will applying for the Varo Believe Program impact my credit?
Nope! We don’t check your credit score when you apply, because we believe everyone should have a chance to build or rebuild their credit.
How long does it take for my Varo Believe Card to arrive?
After your Varo Believe Program application is approved, it’ll take on average 6-9 business days for your Varo Believe Card to arrive.
Where can I find more information about the Varo Believe Program?

To read the Varo Believe Program Agreements and Disclosures, please visit:

For additional FAQs, please visit the Help Center.