Rated 4/5.0 stars by our editorial team
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- Regular Purchase APR Variable APR of 27.49% as of 1/1/2026
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.
- Credit Needed Poor
- Card Brand Visa®
- Regular Purchase APR Variable APR of 27.49% as of 1/1/2026
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.
- Credit Needed Poor
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- No hard credit check or credit score required
- See if you’re approved in minutes
- Fund the secured Self Visa® Credit Card1 with a minimum security deposit of $100.
- $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.
- Reports to all 3 major credit bureaus to build credit history
- Be automatically considered for a higher credit line in just 6 months—no extra deposit needed
- Monitor your credit progress in the app with free access to your Credit Score.
- Secure your credit line with a refundable security deposit - as low as $100.5
- Use your card anywhere Visa is accepted–in the US.
- Enjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Manage your account online, by phone or in Self mobile app
- If you don’t have the $100 security deposit today, consider a Credit Builder Account2 starting at $25 a month4. Consistent, on-time payments help you build credit and build savings to secure the secured Self Visa® Credit Card.3
- 1Self is not a bank. Secured Self Visa Credit Card issued/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. See self.inc/visa-secured-credit-card for details including important rate and fee information.
- 2Self is not a bank. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. See self.inc/credit-builder-loan for details including important rate and fee information.
- 3Qualification 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
- 4$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
- 5Deposits are returned upon account closure after settling outstanding balances.
- Rates & Fees
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Penalty APR
N/A
Ongoing Information
Rewards Rate
Non-rewards card
Annual Fee
$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Mar 05, 2026
Expert Reviews of Secured Self Visa® Credit Card
The Bottom Line
The Good
The Not so Good
Editorial Note: This content is not provided by Self. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Self.
Consumer Reviews
OFFER RATING
/5.0
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Our pick for doubling your cash back
68,965 users have viewed this card in the last 30 days.
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Annual Fee$0
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Welcome Offer$200 cash back
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Rewards Rate2% - 5% cash back
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Credit Needed
Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
Highlights
- Click APPLY NOW to apply online.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
See Additional Details for Citi Double Cash® Card
Our pick for best unlimited travel rewards card
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Annual Fee$0
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Welcome Offer25,000 points
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Rewards Rate1.5X - 3X points
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Credit Needed
Bottom Line
This card has its benefits when used for traveling purposes. It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.
Our Take
The Good
International travelers don’t have to deal with high costs on transactions that are processed outside the United States, unlike most credit card offers. The Bank of America® Travel Rewards credit card allows you to Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout, and there's no annual fee.
The Not So Good
There aren't many downsides to this card other than it is only available for consumers with excellent-good credit.
Highlights
- Click APPLY NOW to apply online.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
See Additional Details for Bank of America® Travel Rewards credit card
Our pick for 1:1 cash back match in your first year
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Annual Fee$0
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Welcome OfferCashback Match
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Rewards Rate1% - 5% cash back
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Credit Needed
Bottom Line
The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best welcome offers on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
Our Take
The Good
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge welcome offer in your first year.
The Not So Good
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
Highlights
- Click APPLY NOW to apply online.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- Rates & Fees
See Additional Details for Discover it® Cash Back
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
