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Self Secured Visa® Credit Card

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Unlike most secured cards, this card has no application, no hard credit inquiry, no extra deposit needed, and no chance of rejection — since the only way to get one is to become eligible through your Self Credit Builder Account.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $25
Regular APR: 23.74% Variable

Self Secured Visa® Credit Card

Our rating
Limited Credit History Min. credit level
$25 Annual Fee

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $15
Returned Payment Fee Up to $15
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Self Secured Visa® Credit Card

Highlights

  • Secured card
  • No hard inquiry
  • No chance of rejection
  • No application
  • No extra deposit needed
  • Credit limit based on Self Credit Builder Account savings
  • $25 annual fee
  • Issued by Lead Bank
ABOUT THE ISSUER

Lead Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-845-9545

The Self Visa Credit Card is unique among secured cards because there’s no application, no hard credit inquiry, no extra deposit needed, and no chance of rejection — since the only way to get one is to become eligible through your Self Credit Builder Account.

Designed for consumers with limited or no credit history, this card reports to the three major credit bureaus and if you’re approved, can help build credit along with your Self Credit Builder loan.

To get your own Self credit card:

  1. Create a Self Credit Builder Account
  2. Make at least your last three monthly payments on time
  3. Save $100 or more in your account to be used as your credit line
  4. Pay all outstanding fees
  5. Choose your credit limit based on your savings and get your card

Once you’re eligible for a Self Secured card, you can accept it if you’d like, with no application needed.

This card has a $25 annual fee.