The Secured Self Visa® Credit Card

VISA

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Credit Score

300 620

No Credit - Poor

Apply Now On Self's's secure website Terms apply. Approval is not guaranteed.

Annual Fee

Intro - $0 ($25 Annual Fee after the first year.)

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

27.49% Variable (As of 1/1/2026)

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Self's.

The Secured Self Visa is the standalone secured-card product (separate from the Credit Builder Account bundle): intro no-annual-fee period then a small ongoing fee, unusually low minimum security deposit, no credit check, no hard inquiry, variable APR.

The low deposit floor and no-credit-check structure make this one of the most accessible secured cards on the market — fewer applicants are turned away than at any traditional issuer. The ongoing fee is modest but present; the no-fee OpenSky Plus is cheaper over a year if you don't need the absolute lowest deposit minimum. For someone with a small amount to put down and no credit history at all, Self's secured card is a reasonable starting point with a clear graduation path through Self's own ecosystem.

Card Details

Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
Apply Now: Intro No Annual Fee with the secured Self Visa® Credit Card^
No credit check
No hard inquiry
$100 minimum security deposit* *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. ^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

Also in: Top Credit Cards 2026 Poor

The Secured Self Visa® Credit Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Self's's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.