The Secured Self Visa® Credit Card
4.6
MoneyAtlas
Rating
Annual Fees$0
Regular APR28.24% Variable
Credit Score NeededNone, Poor, Fair
Pros
No hard credit check required: You can qualify for the card without a credit inquiry
Credit-building potential through diverse accounts: The card combines a secured credit card with a Credit Builder Account
Low initial deposit requirement: The $100 minimum deposit is relatively low
Cons
Mandatory Credit Builder Account delays access: You must first open and fund a Credit Builder Account
Annual fee after the first year: While the first year is free, the $25 annual fee adds ongoing costs that many secured cards do not charge
High APR with no rewards: The 28.24% APR makes carrying a balance expensive
