LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit Cards / Secured
Credit card review

Self Financial Self Visa Credit Card Review

Self FinancialVisaSecured

Self Financial Self Visa Credit Card earned 3.8 / 5 in our 2026 review. The Self Financial Self Visa Credit Card earns no rewards with a $25 annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Self Financial Self Visa Credit Card credit card
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TL;DR
Annual fee
$25
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Self Financial
Network
Visa
Min credit score
300
Fintiex rating
3.8 / 5
Pros
  • +No upfront cash deposit required - your Credit Builder Account loan payments fund your credit limit
  • +Must open a Self Credit Builder Account first (loan builds savings while you build credit)
  • +Reports to all three major credit bureaus
  • +Designed for people with no credit or poor credit
  • +Credit limit grows as you make loan payments
  • +Can unlock card once you have $100 in loan savings and are in good standing
  • +No hard credit check to apply for the Credit Builder Account
Cons
  • -$25 annual fee
  • -Must open and maintain a Self Credit Builder Account
  • -High APR (28.74%)
  • -No rewards
  • -3% foreign transaction fee
  • -Credit limit tied to savings in Credit Builder Account

Rewards detail

The Self Financial Self Visa Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$25
Purchase APR
28.74%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
28.74%
Cash advance APR
28.74%
Balance transfer fee
None
Foreign transaction fee
3%
Who it's for

The Self Visa Credit Card is built for people who want a secured card. Most approvals land at FICO 300 and above, but issuers prefer scores near 500. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Self Visa Credit Card have a foreign transaction fee?
Yes. The Self Financial Self Visa Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Self Visa Credit Card?
Approvals typically start around a FICO score of 300, but Self Financial prefers 500 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Self Visa Credit Card have a welcome offer?
No. The Self Financial Self Visa Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Self Visa Credit Card have a 0% intro APR offer?
No. The Self Financial Self Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 28.74%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Self Visa Credit Card?
$25 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Self Visa Credit Card worth it?
Fintiex rates the Self Financial Self Visa Credit Card 3.8 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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