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.
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.
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 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.
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.