VISAVisa Traditional
Self Visa Credit Card
- Annual Fee
- $25
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $25
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Traditional
- Credit Required
- Poor
Earning Rates
- 0X
All Other
This card does not earn rewards - designed for credit building.
Benefits & Perks
Insurance & Protections
3 protectionsCredit score monitoring
Track your credit score with detailed insights on what impacts your score, all in the Self app
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Reviews & Analysis
Pros and Cons
Pros
- +No hard credit check for approval
- +Low $100 minimum security deposit, returned on account closure after balances are settled
- +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
- +Credit limit equals your security deposit
- +$0 intro annual fee for the first year for new customers, then $25
Cons
- -No rewards, cash back, or points earned on purchases
- -Requires a refundable security deposit of at least $100
- -Low credit limit, set by your deposit
- -27.74% variable APR with no introductory rate
- -Purchases only in the US and its territories; no cash advances
- -No product upgrade path to rewards cards
Who It's Best For
Best For
- Individuals building credit from scratch with no credit history
- Those rebuilding credit after financial setbacks
- People who want a secured card with a low $100 minimum deposit
- Self Credit Builder Account holders looking to add a credit card
- Consumers who prefer no hard credit inquiry during application
Not Ideal For
- Anyone seeking rewards or cash back on purchases
- Those who cannot fund a $100 minimum refundable security deposit
- International travelers (purchases can only be made in the US and its territories)
- People with established good credit who qualify for better cards
Details & Terms
Payment Terms
| Purchase APR | 27.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| NerdWallet | — | NerdWallet |
| Self Official | — | Self Official |
| Self Official | — | Self Official |
| RewardsCC API | — | RewardsCC API |
| Self Official | Self Official | |
| Self Official | Self Official |