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.
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.
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.
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.
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
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
"I like to use Varo Believe because improving my credit score has opened doors for me that I never thought would be open."
Deng B.
"The Varo Believe card has helped me improve my credit because it reports to the credit bureaus on how you’re spending. So it really does help boost your credit score."
Adri C.
"I've noticed an extreme amount of change - within a three month period about 140 points."
Tracy H.
"I have decent credit in the first place. I have seen my score increase - 50 points over last year is really, really good."
Stuart B.
"Being able to see your credit score increase, it’s boosted my confidence a lot."
Austin P.
"I’ve noticed every month my credit score has gone up by a couple points here and there, just by me using the Varo Believe credit card."
Albery F.
Building credit with Believe is as easy as...
1. Move money
Just transfer some cash to your Believe Account. That’s how much you can spend on your card.⁴
2. Spend money
Groceries. Gas. Bills. Even subscriptions. All you have to do is swipe that card.
3. Track your progress
With Safe Pay⁹ on, we automatically cover your purchases every month and report this to the credit bureaus. All you gotta do is watch your score tick up in the app.¹⁰
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.
YOU’VE GOT CRED.
Varo shares your on-time payment history with all three major credit bureaus every month.
Qualifying for the Believe Card is really, really 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 (in the last 90 days)⁷
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.