Varo Believe: Build Credit in an Easy Way

Varo Believe Credit-Builder Card: Build Credit with Confidence

The Varo Believe Credit-Builder Card is Varo Bank’s dedicated solution to help you establish or improve your credit — with no hidden fees or surprises.

This card combines the trusted security of Visa with tools specifically designed to help boost your credit score. Here’s what you need to know about applying.

About Varo Bank

Varo Money, founded in 2015 by Colin Walsh, is a modern digital bank offering a seamless mobile banking experience. In 2020, it became the first U.S. neobank to receive a national bank charter, officially becoming a fully licensed financial institution.

As a customer, you benefit from:

• FDIC insurance up to $250,000

• Advanced data encryption

• Transparent financial products, including fixed-rate loans

How the Varo Believe Card Works

The Varo Believe Card is a secured credit card that helps you build or rebuild credit safely.

Unlike a prepaid card, this is a real credit card that functions on the Visa network, and all your activity is reported to the major credit bureaus — Equifax, Experian, and TransUnion.

To use the card, you transfer funds from your Varo Bank account into a secured account. This amount becomes your credit limit — and you can use the card for everyday purchases just like a traditional credit card.

💡 Your credit limit equals the amount you set aside — giving you full control.

Automatic Payments with Safe Pay

Varo’s Safe Pay feature makes it easy to manage your balance. It automatically reserves funds from your linked account and pays off your full statement at the end of the billing cycle — helping you avoid interest and late fees.

Free Credit Monitoring and Transparent Terms

• Your VantageScore 3.0 is available for free in the Varo app

• Payment activity is reported to all three credit bureaus

• There are no annual fees, no hidden charges, and no interest if you use Safe Pay

• Protected by Varo’s bank charter and FDIC insurance

Who Should Consider the Varo Believe Card?

• New to credit? This card is ideal for starting from scratch.

• Looking to recover? Great for rebuilding damaged credit history.

• Already have credit? Use Believe to maintain payment history and pair it with another card that reports your credit limit for faster growth.

Other Credit-Building Alternatives

If you’re exploring more options, the U.S. market also features other strong choices like the Current Build Card — another app-based credit-building solution.

Why Choose Varo Believe?

With no fees, real-time controls, and strong security, the Varo Believe Card offers a transparent and safe way to build credit through everyday spending.

Ready to apply?
You can get started directly through the Varo Bank app or website.