Rated 4/5.0 stars by our editorial team
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4/5.0 from 0 Offer Ratings
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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- Regular Purchase APR 27.99% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro offer for the first year, then $25 (offer valid for new customers only). Variable APR of 27.99%.
- Credit Needed Poor
- Card Brand Visa®
- Regular Purchase APR 27.99% Variable
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro offer for the first year, then $25 (offer valid for new customers only). Variable APR of 27.99%.
- 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 27.99%. 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
- 1The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
- 2Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval.
- 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 intro offer for the first year, then $25 (offer valid for new customers only). Variable APR of 27.99%.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Oct 14, 2025
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 1:1 cash back match in your first year
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.99% - 26.99% Variable APR
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- Welcome Offer Unlimited Cashback Match for all new cardmembers – only from Discover. 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.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.99% - 26.99% Variable APR
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- Welcome Offer Unlimited Cashback Match for all new cardmembers – only from Discover. 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.
- Annual Fee $0
- Credit Needed Good / Excellent
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Highlights
- Click APPLY NOW to apply online.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.99% to 26.99% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- Rates & Fees
See additional details for Discover it® Cash Back
Our pick for best bonus categories
- Sign-Up Bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Introductory APR 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months
- Regular APR 18.74% - 28.24% Variable
- Annual Fee $0
- Credit Needed Good / Excellent
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- Sign-Up Bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Introductory APR 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months
- Regular APR 18.74% - 28.24% Variable
- Annual Fee $0
- Credit Needed Good / Excellent
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Highlights
- Click APPLY NOW to apply online.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
See additional details for Chase Freedom Unlimited®
Our pick for doubling your cash back
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- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.99% - 27.99% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Rewards Rate 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.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.99% - 27.99% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
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.
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- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.99% - 27.99%, 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).
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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.
