Varo Believe Secured Credit Card

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

Build credit with 0% APR, no fees, and no security deposit required.

Fee: No fee
Purchase APR: from 0%
Interest-free: -
Foreign fee: None

Rewards

Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback.

Our verdict

What stands out, and where it falls short.

What we like

Up to 8% cash back at select partner merchants…
No card fee
No foreign transaction fees

Who It Is For

Whether the Varo Believe Secured Credit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: from 0%
Interest-free period: -
Foreign transaction fee: None
Purchase APR: 0% (no interest — balance auto-paid from Varo Believe Secured Account)
Annual fee: $0
Late payment fee: $0
Foreign transaction fee: $0
Out-of-network ATM withdrawal: $3.50 per transaction

Rewards and features

Rewards: Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Spending limit: Equals balance in Varo Believe Secured Account; max $2,500/day purchases, $1,000/day cash advances, $10,000/billing cycle
Cash back: Up to 8% at select Varo Perks partner merchants; $200/month cap

Benefits and perks

Extras that come bundled with the card.

Credit bureau reporting

Monthly reporting to Equifax, Experian, and TransUnion. No credit history or credit check required to apply.
No foreign transaction fees

Varo Visa cards charge no foreign transaction fees on purchases made internationally.
Visa Zero Liability

Protected against unauthorized charges via Visa Zero Liability policy.

Eligibility

What you need before you apply.

Eligibility requirements: Active Varo Bank Account with $200+ in qualifying incoming deposits in the past 31 days; no overdue Varo Advance; no credit check

Varo Believe Secured Credit Card: your questions answered

Does the Varo Believe Secured Credit Card have a card fee?

No - the Varo Believe Secured Credit Card has no card fee.

What rewards does the Varo Believe Secured Credit Card earn?

The Varo Believe Secured Credit Card earns Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback..

Does the Varo Believe Secured Credit Card charge foreign transaction fees?

No - the Varo Believe Secured Credit Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Varo Believe Secured Credit Card?

The Varo Believe Secured Credit Card has a purchase APR of from 0%.

Is the Varo Believe Secured Credit Card a credit, debit or prepaid card?

The Varo Believe Secured Credit Card is a credit card issued by Varo Bank on the Visa network.

Does the Varo Believe Secured Credit Card support Apple Pay and Google Pay?

Yes - the Varo Believe Secured Credit Card works with both Apple Pay and Google Pay.

Where can I get the Varo Believe Secured Credit Card?

The Varo Believe Secured Credit Card is currently offered in United States.

How does DebitCue rate the Varo Believe Secured Credit Card?

DebitCue rates the Varo Believe Secured Credit Card 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Varo Believe Secured Credit Card?

Use the Apply now button to continue on Varo Bank's secure site. Comparing and applying through DebitCue is free.