Building credit shouldn’t be complicated, intimidating, or expensive and with the Chime Credit Builder Secured Visa® Card, it isn’t. Whether you’re new to credit or starting over, this card puts you in control with no credit check, no annual fees, and no interest. It’s a modern tool for people who want to take charge of their financial future without the risks tied to traditional credit cards.
Backed by Chime’s mobile-first experience, this card turns your spending into real credit-building power. Every purchase helps create a stronger financial foundation, and everything from tracking your balance to managing payments happens right in the app. With the Chime Credit Builder, you’re not just spending you’re creating real momentum toward a better credit score.
Chime Credit Builder Secured Visa®
No annual fee No credit check to applyKey Benefits of the Chime Credit Builder Secured Visa® Card
- No Credit Check to Apply
You can apply with confidence—Chime doesn’t perform a hard inquiry, so your credit score won’t be impacted. - Zero Annual Fees and No Interest
No fees to use the card and no interest charges, because you’re spending your own money. - Spending Limit You Control
You decide how much to deposit into your secured Credit Builder account, which becomes your credit limit. - Reports to All Three Major Credit Bureaus
Chime reports your monthly payments to Experian, TransUnion, and Equifax—helping you build a positive credit history. - Safer Credit Building Feature
This optional setting automatically uses your secured balance to pay your statement each month, reducing the chance of missed payments. - Real-Time Management via the Chime App
From locking your card to tracking purchases, you can manage everything on your phone with instant updates. - Accepted Everywhere Visa Is Accepted
Use your card confidently online and in-store—just like any other Visa credit card.
Fees and Charges
| Fee Type | Details |
|---|---|
| Annual Fee | $0 |
| Interest Rate (APR) | 0% – No interest charged |
| Foreign Transaction Fee | $0 |
| Late Payment Fee | $0 – Balance must be prepaid |
| Overlimit Fee | Not applicable – can’t spend beyond deposit |
| Rewards | None – Credit building only |
The Chime Credit Builder Card eliminates virtually all traditional card fees, focusing instead on simplicity, transparency, and control.
Requirements and How to Apply
To be eligible for the Chime Credit Builder Secured Visa® Card, you must:
- Be at least 18 years old
- Have a valid U.S. mailing address
- Possess a Social Security Number (SSN)
- Open a Chime Checking Account
- Set up a qualifying direct deposit into your Chime account
How to Apply
- Open a Chime Checking Account via the official website or app.
- Set up direct deposit—this unlocks card eligibility.
- Transfer money into your Credit Builder account (you choose the amount).
- Apply directly through the Chime mobile app or website.
- Receive your card and start using it to build credit responsibly.
Final Thoughts
If you’re ready to take control of your credit without the pressure of fees, interest, or complex terms, the Chime Credit Builder Secured Visa® Card is the tool you’ve been looking for. It’s simple, secure, and designed to help you build real financial momentum—one purchase at a time.
Don’t wait to start building the credit you deserve. Apply today and take the first step toward a stronger financial future with Chime.
Chime Credit Builder Secured Visa®
No annual fee No credit check to applyFrequently Asked Questions (FAQs)
1. Do I need a credit history to qualify for this card?
No. There is no credit check required, making this card perfect for people with no or poor credit history.
2. Can I earn rewards or cash back?
No. This card is focused on helping users build or rebuild their credit and does not include a rewards program.
3. How does the spending limit work?
You control your limit by moving money into your Credit Builder account. You can only spend what you’ve already deposited.
4. Will this card help improve my credit score?
Yes. Chime reports on-time payments to all three major credit bureaus, which can help improve your score over time.
5. Can I use the card outside the U.S.?
Yes. There are no foreign transaction fees, and the card is accepted anywhere Visa is accepted.
