Coming soon

Introducing Varo

Start building credit with no monthly fees. No APR. Avoid debt.

Apply for a Varo Bank Account today and start qualifying for the Varo Believe Program.

Get credit for what you’re already doing


Make everyday purchases with your new credit card.*

Choose how much money you want to set aside from your Varo Bank Account to pay on time and in full every month.**

We'll report your payment history to the 3 major credit bureaus.

Monitor your score directly on your Varo Bank app for free.

Changing the game so that you’re in control

Varo Believe Program has: Other programs for building credit may have:***
No monthly account fees Many fees
Avoid debt Risk of getting trapped in debt
Applying does not impact credit score Inquiries can negatively impact your credit score
No APR Up to ~23%2

What we look for


A minimum of two direct deposits totaling $1000 or more in the past 90 days.

Active use of your Varo Bank Account without any negative balances within the last 90 days.

Additional qualifications apply.

Get a Varo Bank Account today!

Applying won’t impact your credit score.


How is my credit limit determined?

The Varo Believe Program offers a new kind of credit card linked to your Varo Bank Account. You can make everyday purchases with your Varo Believe Card up to your credit limit. Your credit limit can't exceed your Varo Bank Account balance, up to $2,500 for purchases and $1,000 for cash advances per day, totaling no more than $10,000 total per billing cycle.

How could the Varo Believe Program help increase my credit score?*

Varo Believe offers a free credit card with credit reporting that has the potential to increase scores when you consistently make on-time and in-full payments. With on-time repayments of those bills, you can build a positive payment history, which can help improve your credit score. Varo will report on your payment history to the 3 major credit bureaus which can help you build your credit history. Note, we’ll also report a negative payment experience. On-time payments are critical to building a positive credit history.

What if I make a late payment? Will it impact my credit score?

If you don’t pay your monthly statement balance on time, you’ll be charged a late fee of $15 and late payments could reflect negatively on your credit report. In order to keep using the Varo Believe Credit Card, you need to make on-time payments; late payments may cause you to lose your ability to use the product.

Do you already have a Varo account?

How can we help you?

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I have questions about Varo Money

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I have questions about Varo Bank

When did you open your account?

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Before October 1, 2020

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After October 1, 2020