Self Visa Credit Builder Card

The Self Visa Credit Builder Card charges a $25 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. People who want to build an emergency fund while building credit and can't put cash down upfront — the credit limit is funded by the savings you accumulate in a paired Self Credit Builder Account, so a credit-builder loan and a secured card both report to all three bureaus at once. You get the savings back when the loan is paid off.

Approx. 28.99% variable — verify at self.inc. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

People who want to build an emergency fund while building credit and can't put cash down upfront — the credit limit is funded by the savings you accumulate in a paired Self Credit Builder Account, so a credit-builder loan and a secured card both report to all three bureaus at once. You get the savings back when the loan is paid off.

Anyone who can qualify for a no-fee builder like the Chime Card and wants to avoid stacked fees — Self layers a $25 card annual fee on top of a separate monthly Credit Builder Account fee.

Self Visa Credit Builder Card scored 66/100 — "Niche / conditional". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.