Building Credit
Varo Believe
What this card costs, and how easily you get in.
Free and no credit check, but it needs a funded Varo account and has no set path to a real card.
$0Yearly fee, all in
NoneDeposit, refundable
NoHard credit check
Terms apply. See rates & fees on Varo. Rankings are pure math, never sold.
The terms Varo
Yearly fee$0
Security depositNone
Credit checkNo hard check
Path to a real cardNo set path yet
Know before you apply
Plain facts
- Who gets approvedNo credit check. No fees and no credit check, but you need $200 or more in deposits arriving over the past 31 days, across your Varo bank or savings account.
- The issuer’s terms governRates, fees and bonus conditions are set by Varo and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Varo’s own published terms, last verified September 3, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 3 of the figures it watches here were still printed there.
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