Cards from Chime

Chime was founded on the belief that basic banking services should be straightforward, beneficial, and aligned with the success of its members, not at their expense. Chime’s approach avoids fees like overdraft charges, monthly service fees, and minimum balance requirements. By partnering with local banks, Chime aims to develop financial products that prioritize member needs, creating a more competitive market with affordable and improved alternatives for everyday Americans underserved by traditional banks. Chime’s efforts promote progress, inclusivity, and accessibility across the industry.

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Chime Secured Credit Builder Visa® Credit Card

No Credit Check to Apply

  • Card Brand

    Visa®

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    $0.00

  • Regular Purchase APR

    0%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Card Details Page