Self Visa Credit Card
Self · Visa
Self Visa is a credit-builder card that, through a distinctive mechanism, builds credit and savings at the same time with no credit check. Its costs include a 27.49% APR on the card, a $9 admin fee and a $25 annual fee from the second year.
Data & conditions
| Network | Visa |
|---|---|
| Card type | Credit card |
| APR | 27.49% |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Not disclosed |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €0/year |
| Regulator | FDIC |
| Segment | B2C |
| MiCA / License status | Partner bank charter |
Plans & pricing
Strengths
- Builds credit and savings simultaneously; no credit check; unique mechanism.
- No notable sovereignty advantage documented.
Weaknesses
- 27.49% APR on the card; various fees ($9 admin, $25/year from year 2).
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Solid in tier A thanks to a distinctive mechanism that builds credit and savings together, with no credit check and no entry fee, lowering risk for those starting from zero. Weighing on the score are the ancillary costs, a 27.49% APR on the card, a $9 admin fee and a $25 annual fee from the second year, modest but not negligible against the group's free alternatives.
Here it counts for little: a custodial, full-KYC product, FDIC-regulated and US-only, where the savings are held by the intermediary rather than self-custodied. No on-chain component or censorship resistance: the cleverness of the mechanism is consumer-facing, not crypto-native, and the verdict falls accordingly.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Self Visa Credit Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
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App Store ↗
4.8/5
319,832 reviews
Exact figure from the iTunes API ("Self – Credit Builder & Cash" app by Self Lender, Inc.): 4.8513 average across 319,832 ratings. The count refers to star ratings, not written reviews only. Trustpilot not included: the page blocks automated reading.
Weighted average across 1 public review platform (319,832 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Self Visa Credit Card a safe card?
Self Visa Credit Card is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Self Visa Credit Card cost?
There is no fee the first year; from year two the annual fee is $25, plus a one-off $9 admin fee. The card APR is 27.49%. It is not a crypto card: it builds credit via a secured Credit Builder Account.
Does Self Visa Credit Card offer cashback?
Self Visa Credit Card does not offer crypto cashback.
Is Self Visa Credit Card available in Italy?
No, Self Visa Credit Card is not currently available in Italy.
Is Self Visa Credit Card custodial or self-custody?
Self Visa Credit Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · OAM Italy registry · Legal name · +3 Data verified on Jul 10, 2026
- businesswire.com Valuation Data verified on Jun 14, 2026
- globenewswire.com Company type · Latest funding round · Investors Data verified on Jun 14, 2026
- medium.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
Show 3 more sources
- creditcards.com Annual cost · Variante credit builder.collaterale crypto · Variante credit builder.credit limit eur min Data verified on Jun 13, 2026
- techcrunch.com Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026