The Chime Credit Builder Secured Visa® Credit Card is designed to help you build your credit with zero stress. Unlike traditional credit cards, it requires no credit check to apply, doesn’t charge interest or annual fees, and works with your own money—giving you total control over your spending.
The card is connected to your Chime Checking Account, allowing you to set your own spending limit based on the funds you move into your secured Credit Builder account. Every purchase you make is paid upfront using your own money, and all your activity is reported to the major credit bureaus to help build a positive payment history.
Chime Credit Builder Secured Visa®
No annual fee No credit check to applyBenefits of the Chime Credit Builder Secured Visa® Credit Card
- No credit check to apply
You can apply without a hard credit inquiry, making it accessible even if you have no credit history. - No fees and no interest
There are no annual fees, no interest charges, no late fees, no foreign transaction fees, and no card replacement fees. - You set your spending limit
Your credit limit is based on the amount you move into your secured Credit Builder account, helping you stay in control and avoid debt. - Reports to all three major credit bureaus
Chime reports your payment activity to Equifax, Experian, and TransUnion to help you build a positive credit history. - Safer Credit Building feature
This optional tool uses the money you’ve set aside to automatically pay your monthly balance, helping you avoid missed payments. - Full control through the Chime app
Instantly lock or unlock your card, transfer funds, track spending, and receive real-time alerts—all in one easy-to-use app. - SpotMe® coverage up to $200
Eligible users can access up to $200 in fee-free overdraft protection for certain purchases, offering extra flexibility when needed. - Accepted anywhere Visa is accepted
Use your card for everyday purchases at millions of locations worldwide that accept Visa.
Summary of Fees and Terms
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Interest Rate (APR) | 0% (no interest charged) |
| Credit Check to Apply | Not required |
| Minimum Security Deposit | No minimum – deposit what you choose |
| Foreign Transaction Fees | $0 |
| Late Payment Fees | $0 – card requires pre-funding |
| Over-limit Fees | Spending limited to available balance |
| Rewards or Cash Back | Not included |
| Reports to Credit Bureaus | Yes – Experian, TransUnion, and Equifax |
Is the Chime Credit Builder Right for You?
If you’re starting your credit journey or trying to rebuild your score without the fear of fees, this card is a game-changer. It gives you full control over how much you spend and eliminates the risks that come with traditional credit cards. No interest, no penalties just responsible credit building on your own terms.
This is especially helpful for students, young adults, or anyone with limited credit history. Since it works more like a debit card—with the benefits of credit reporting it’s the ideal way to safely establish or restore your credit. Plus, all management tools are available in the Chime mobile app, making it easy to track your spending and progress.
How to Apply for the Chime Credit Builder Card
- Open a Chime Checking Account
You’ll need an active account to fund your card. - Set Up Direct Deposit
A qualifying direct deposit is required before you can apply. - Move Money to Credit Builder Account
Choose how much to set aside—this becomes your spending limit. - Apply Through the Chime App or Website
No credit check is needed, and approval is fast. - Start Using Your Card
Build credit with every purchase and track your progress.
Chime Credit Builder Secured Visa®
No annual fee No credit check to applyFrequently Asked Questions (FAQs)
1. Do I need a credit history to apply?
No. There is no credit check to apply, making this card perfect for those with no or low credit history.
2. Will using the card help improve my credit score?
Yes. Chime reports your payment activity to all three major credit bureaus, which helps build a positive credit history over time.
3. How is the spending limit determined?
You decide your own limit by transferring funds into your secured Credit Builder account. You can’t spend more than what you’ve added.
4. Are there any hidden fees or interest charges?
No. There are no interest charges, late fees, annual fees, or foreign transaction fees.
5. Can I earn rewards or cash back with this card?
No. The Chime Credit Builder is focused on credit improvement and does not offer rewards programs.
