Buy the everyday essentials you already buy and build credit at the same time! No sweat. Use your Varo Believe Card for coffee, gas, groceries, subscriptions, even bills! You can build credit with all your daily purchases (wherever Visa is accepted). It’s that easy with this card! See how to apply below.
What is the Varo Believe Program?
The Varo Believe Program is designed to help you build your credit while you spend on your every day shopping. It includes a Varo Believe Card – use this card for everyday purchases, and a Varo Believe Secured Account – this deposit account acts as security for your monthly card payment and sets your spending limit. Varo will report your payment history to the major credit bureaus – TransUnion, Equifax, and Experian. Building credit takes time, but the Varo Program can help when you consistently make on-time payments.
Qualifying for the Varo Believe Card is super easy.
Varo doesn’t check your credit score when you apply, because we believe everyone deserves a chance to build or rebuild their credit. Applying for your card is simple, and the eligibility requirements are minimal. To get started on your journey, just make sure you have:
- A Varo Bank Account with funds in it (and no overdue Varo Advance)
- $200 or more in Incoming Deposits (in the past 31 days)
Additional qualifications apply, including your Varo Bank Account being in good standing. After your application is approved, it typically takes 6-9 business days for your card to arrive.
How can I apply?
Sign up for a Varo Bank account in less than 2 minutes. It’s free, easy, and has no impact on your credit score. To apply, your Varo Bank Account or Savings Account must have received Incoming Deposits of $200 or more in the past 31 days. Fill out the application form in the app or on the website and wait for your card!