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Start building credit
We're here to help you build credit.

SELF HAS BEEN FEATURED IN:

The path to a credit card
Build positive payment history with a Credit Builder Account to help gain access to a credit card.*

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© Self Financial, Inc.

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Self Financial Inc. 901 E 6th St. STE 400, Austin, TX 78702.

Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday

*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.

1 Source: https://www.myfico.com/credit-education/whats-in-your-credit-score

†Review provided by customer to Self Financial, Inc. directly. The comment above is related to individual experiences or results. Your results may vary. 

The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

The credit card without a "Black Box" application.

Start building credit

A straightforward path to a secured credit card is here. After you open a Credit Builder Account, use the payments you're already making to fund the security deposit for your credit card.

To get access to the secured card:*

  1. Open a Credit Builder Account and start building credit 
  2. Make on-time payments
  3. Have $100 or more in Credit Builder Account savings progress
  4. Satisfy income and expense eligibility requirements
Payment History Graph

Impact The Factors That Make Up Your Credit Score.

SELF'S PRODUCTS CAN HELP
 
With the Credit Builder Account and the secured Self Visa® Credit Card, you can impact 75% of FICO’s factors for your credit, including Amounts Owed, Credit Mix, and Payment History — the #1 factor.1

Build a security deposit over time.

The savings you build with your Credit Builder Account can secure your Self Card

Follow these simple steps to unlock your secured card*

  1. Open a Credit Builder Account
  2. Make payments on time
  3. Have $100 or more in savings progress
  4. Satisfy income and expense eligibility requirements

Use your card and build your credit.

Track your credit utilization, manage payments and increase your credit limit all in the Self app.


"I love my Self Visa credit card, it's really showing me how to be more responsible with my credit and how to manage my funds properly. I was skeptical at first about getting it but I am thankful I did. My credit has boosted on Fico, Experian and TransUnion."

Liddia C.†

“Having this card is one of the best decisions I made. Ever since I started with Self I have seen a major improvement on my credit. I highly recommend.”

Roderic T.



“Great program for people rebuilding their credit. I am now offered competitive rates. I recommend this card for any one starting or rebuilding their credit.”

Leon H.


Read more reviews

Overall satisfaction rating based on more than 1,500 ratings from actual customers.

Over 3,500,000 people have signed up to build credit with Self.

4.7

There is no hard credit pull.

The Card with No Credit Check
 
No cash for a deposit? No problem. Start building your credit now and unlock your card after you build your deposit with a Credit Builder Account.
Apply now

Skip the wait.

$100 minimum down for your security deposit is all the funds you need to apply for the secured Self Visa® Credit Card* right now.