Bank · FDIC insured
Varo Bank Credit Card Rates
Varo Bank doesn’t publish an ongoing APR for its credit cards. Rates checked October 22, 2026.
How Varo Bank’s credit card rates compare
Compared with banks and credit unions in Utah, where Varo Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Varo Bank
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Ascent Credit Union
8.71%APR
- Annual fee
- $50
2nd-lowest rate
KINGS PEAK CREDIT UNION
8.74%APR
- Annual fee
- None
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Varo Visa® Believe Credit Card
Secured credit card designed to build credit. Requires a Varo Bank Account with money in it, no overdue Varo Advances, and incoming deposits of $200 or more in the past 31 days to Varo Bank Account and/or Savings Account. Spending limit is set by funds transferred into the Varo Believe Secured Account, up to $2,500/day for purchases or $1,000/day for cash advances (max $10,000 per billing cycle).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | No interest, no annual fees, and no minimum security deposit. Spending limit equals available balance in Varo Believe Secured Account (up to $2,500/day purchases, $1,000/day cash advances, max $10,000/billing cycle). Safe Pay auto-pays balance in full at end of billing cycle from secured account funds. |
No ongoing APR is published for this card, only the rate above.
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.