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

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Everything you need to reach your goals.

easy

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No Fees

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worry-free

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Real Progress

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Real impact: the numbers don’t lie.

40+ PTS

Varo Believe customers, on average, see a 42-point increase in their credit score after 3 months of on-time payments.²

1 month

More than 90% of Varo Believe Card customers with no credit score had a score after just one month.³

NO MINIMUM SECURITY DEPOSIT • NO CREDIT CHECK • NO INTEREST • NO ANNUAL FEES •
NO MINIMUM SECURITY DEPOSIT • NO CREDIT CHECK • NO INTEREST • NO ANNUAL FEES •
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Varo Content Image

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. 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. 

Zero interest

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.

0%
Varo Believe
Up to 33.99% Variable APR⁵
Petal® 1 No Annual Fee Unsecured Credit Card
27.24% Variable APR⁵
Discover it® Secured Credit Card
29.74% Variable APR⁵
Capital One Platinum Secured Credit Card
0%
Varo Believe
Up to 33.99% Variable APR⁵
Petal® 1 No Annual Fee Unsecured Credit Card
27.24% Variable APR⁵
Discover it® Secured Credit Card
29.74% Variable APR⁵
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

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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.¹

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Already a customer? See if you qualify.
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.