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.
Terms apply. See rates & fees on Varo. Rankings are pure math, never sold.
What it costs to start
Someone starting out or rebuilding, with no spending assumed. Figures as of October 2, 2026, the day the terms were last verified.
Opening it takes no deposit, and holding it costs $0 a year. There is no hard credit check to apply. There is no set path from this card to an unsecured one; you move on by applying for another card. For anyone starting out, it places fourth of the 6 building credit cards we’ve confirmed.
Of the 6 building credit cards we’ve confirmed, its deposit is the lowest, shared, and 5 charge no annual fee. Of those 6, 4 run no hard credit check. Ranked just above it is the OpenSky Plus Secured Visa. No credit check and no yearly fee makes it the easiest door in. There is no named upgrade program, so you move on by applying elsewhere. Just below it is the Chime Card. Easy to open with no credit check, but it does not report how much of your limit you use, which is a large part of a score. It starts credit rather than grows it.
Who it fits
It fits if
- You have been turned down before: it runs no hard credit check.
- You cannot tie up cash: there is no deposit.
- You want it to cost nothing to hold.
Look elsewhere if
- You want the bank to move you to an unsecured card: there is no set path.
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 October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 3 of the figures it watches here were still printed there. How we check
What people ask about it
Do I get the deposit back?
There is no deposit to get back.
How do I move on to an unsecured card?
Varo publishes no set path from this card. You move on by applying for another card once your history is built.
What does it cost over the first two years?
Nothing. There is no annual or monthly fee.
Where it shows up
Every ranking and comparison with the Varo Believe in it, each computed the same way.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.
More cards like this
- Yearly fee $0Capital One Quicksilver SecuredCapital One · for fair credit or a thin file, $200 refundable deposit
- Yearly fee $0OpenSky Plus Secured VisaOpenSky · for no credit history, no credit check and $300 refundable deposit
- Yearly fee $0Chime CardChime · for no credit history, no credit check and no deposit
The three building credit cards beside this one on our list of every card. See every card