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
Varo Believe Credit-Builder Card
BUILD CREDIT. THE EASY WAY.
Credit builder features
Everything you need to reach your goals.
Real-time insights
Track Your Believe Card Spending.
View transactions by category and compare your Believe card¹ spending month-by-month—all in one easy place. So you can build credit with even more control over your spending.
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 the Varo Believe Card. 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
Building credit with Believe Card 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 sends your credit activity to the three major credit bureaus. So all you have to do is keep eyes on your score—right in the Varo app.
Qualifying for the Varo Believe Card is super easy.
Just make sure you’ve got:
A Varo Bank Account with money in it (and no overdue Varo Advance)
$200 or more in Incoming Deposits (in the past 31 days)¹¹
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.
Varo Believe FAQs
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.
MOMENTS OF PROGRESS ⁸
“The Believe card has definitely helped my credit score go up.”
Daniela C.
“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.
“The Believe card has really improved my credit.“
Malcolm T.
“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.