Home / Compare the Best Business Credit Cards of 2024 / Self: The responsible way to build credit

Advertiser & Editorial Disclosure

Self: The responsible way to build credit

Self: The responsible way to build credit — Terms, Rates & Fees

Apply now

Self offers an opportunity to build credit while building savings. Start with a Credit Builder Account that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you. Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa Credit Card, without a hard credit check. Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card. These are consumer loan products.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

6/10

Bottom Line

Great option for business owners looking to better establish and/or upgrade their credit foundation without a hard credit check. Bonus: When you click ‘Apply now,’ we’ll securely pass over your info, making sign up with Self a breeze. Only answer a few additional questions on their end and you’re good to go.

Pros

No hard pull on your credit

Cons

Minimum monthly payments required

Apply now

Rates and Fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

28.49% variable rates

Annual Fee

$25

Welcome Offer

N/A

Rewards Rate

N/A

Foreign Transaction Fee

N/A

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

Advertising Disclosure

The credit card, financing and service products that appear on this site are from credit card, financing and service companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card, financing and service products or all available credit card, financing and service products. All images and trademarks are the property of their respective owners. Editorial and review content is the property of Nav, and has not been approved, provided, or reviewed by the company providing the credit card, financing, or service.

For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.