Self - Credit Builder & Cards
What is Self?
Self is a free finance app for building credit and savings. It offers the secured Self Visa Credit Card, which is issued by partner banks, and Credit Builder Accounts that unlock savings at the end of the term, minus interest and fees. It also lists options to report rent, utility, and cell phone payments to credit bureaus.
Pricing. Self - Credit Builder & Cards is free to download on the App Store.
Good for
- Building credit from a fresh start
- Building credit alongside saving money
- Reporting rent or utility payments to credit bureaus
Screenshots
Why this app is in A tier
Self scores 86 out of 100: rating 97, rating count 95, App Store search rank 52, update recency 100. The four parts are averaged with no weights, and A tier follows from that score within this list. The full explanation, as data.
Description
Build credit and grow savings or use the secured Self Visa® Credit Card to build credit. Starting fresh or needing a credit builder? Self can help you create better financial habits and put you in control of your finances. All credit scores are welcome. THE SECURED CARD WITH NO CREDIT CHECK Add the secured Self Visa® Credit Card* to your toolkit No credit check required High approval rates Control your credit limit Build credit with all 3 credit bureaus Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER Sign up for a Credit Builder Account¶, and lift your credit score by 47 points, on average‡ Plans start at $25/mo.§ Unlock your savings at the end, minus interest and fees No credit score req. No credit check GET THE CREDIT YOU DESERVE FOR RENT, CELL PHONE BILLS AND MORE‖ Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.1 On time rent payments reported to Experian, Equifax & TransUnion On time utility & cell phone payments reported to TransUnion Credit monitoring by TransUnion No credit check Cancel any time DISCLOSURES *Self is not a bank. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A.,
Compare in Credit Building
Alternatives
See all 22 ›Questions about Self
Do I need a credit check to sign up?
The listing says no credit check is required for the secured Self Visa Credit Card, Credit Builder Accounts, and the rent and utility reporting options. Qualification for the card depends on eligibility requirements, including income and.
Who issues the Self Visa Credit Card?
The listing says Self is not a bank and that the secured Self Visa Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
What does the card cost?
The listing states an intro offer of $0 annual fee for the first year only, then a $25 annual fee thereafter, with a variable APR of 27.74% as of 10/1/2026. The offer is valid for new customers only.
Is Self free?
Self is free to download.
What is Self good for?
Self is built for building credit from a fresh start, building credit alongside saving money, reporting rent or utility payments to credit bureaus. It sits in the credit building list on AppTierList.
Is Self worth it?
Self is A tier, ranked #5 of 23 credit building apps with a score of 86 out of 100, from a 4.9 App Store rating across 336,382 ratings. It is in the list's top tiers; 4 apps rank above it.
How does Self compare to Brigit?
Self is A tier at 86; Brigit is A tier at 86. They score the same. Self is free to download, Brigit is free, with no in-app purchases.
How often is Self updated?
Self was updated 15 days ago, which counts in its favour.
All the facts
- List
- Credit Building
- Tier
- A (Excellent)
- Score
- 86 / 100
- Rank in list
- #5 of 23
- Ranking certainty
- settled
- Price
- Free download
- App Store rating
- 4.9 out of 5
- Number of ratings
- 336,382
- Recent reviews
- 2.9 from 20 in the last 180 days
- Current version
- (15 days ago)
- App Store data read
- App Store category
- Finance
- Good for
- Building credit from a fresh start, Building credit alongside saving money, Reporting rent or utility payments to credit bureaus
- Requires
- iOS 15.5 or later
- Size
- 113 MB
- Age rating
- 4+
- Languages
- 1
- Maker
- unclaimed
- As data
- JSON · why it ranks here
Ranking refreshed · how it is computed