Textured Background Image

Your Worry-Free Credit-Builder Card

KEEP CALM & LET YOUR CREDIT BUILD ON.

The Varo Believe Card’s got your back.¹ With this card, you use your own money to build your credit.  That way, you won’t have to worry about digging yourself deeper. Just keep moving forward at a chill pace.

Hero Image
Textured Background Image
Believe Card spending on food
image-background-1

On your terms

Build your credit & crush those goals. Your way.

The Varo Believe Card lets you build credit at your own pace. With your own money. You set your spending limit—because you’re the one funding your account—so you know exactly how much you can spend.²

your-safe-pay-is-on

Never miss a payment

Safe Pay’s got your balance. Every time.

When you’ve got Safe Pay³ on, you can’t mess up. Every month, we take the money you moved into your account and use it to cover your purchases. Basically, the Varo Believe Card helps you build your credit—without you having to worry about a thing. 

Textured Background Image
hero image 3
rectangle 3

Track your score

Oh, you bet we’re keeping score.

Check in on your credit score whenever, wherever⁴—right from the Varo app. And get this: Varo Believe Card customers, on average, see a 42-point increase in their credit score after three months of on-time payments.⁵

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 APR⁵
Petal® 1 No Annual Fee Unsecured Credit Card
27.99% Variable APR⁵
Discover it® Secured Credit Card
30.49% Variable APR⁵
Capital One Platinum Secured Credit Card
0%
Varo Believe
Up to 34.49% Variable APR⁵
Petal® 1 No Annual Fee Unsecured Credit Card
27.99% Variable APR⁵
Discover it® Secured Credit Card
30.49% Variable APR⁵
Capital One Platinum Secured Credit Card
cta background 2

THE STRESS-FREE, WORRY-FREE WAY TO BUILD CREDIT.

It takes less than 2 minutes to sign up for a Varo Bank Account.

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)¹

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?
How do I add money to my Varo Believe Secured Account?
What is Safe Pay?³
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.