Cards by Chime
Chime was established with the belief that fundamental banking services should be uncomplicated, beneficial, and that their success should be intertwined with the prosperity of the members, not at their expense. Chime’s approach doesn’t depend on levying fees such as overdraft fees, monthly service fees, minimum balance requirements, and the like. By collaborating with local banks, Chime aim’s to develop financial products that prioritize member needs. This fosters a more competitive market that offers affordable and better alternatives for everyday Americans who are underserved by conventional banks. Chime’s efforts stimulate progress, inclusivity, and availability across the industry.
APPLY NOWChime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Card Brand
Visa®
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Rewards Rate
See Website for Details
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Annual Fee
$0.00
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Monthly Fee
N/A
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Credit Recommended
Limited to Good
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Regular Purchase APR
No Interest
- Full Details
Highlights
Introducing Credit Builder (effective 10/28/24, members can apply for Credit Builder without $200+ direct deposit requirement):
To apply for Credit Builder, you must have an active Chime® Checking Account.
- Credit Builder is a secured credit card
- No credit check to apply
- No annual fees
- No minimum security deposit*
- Limit risk of overspending
Eligibility Requirements
- 1. “Apply” for the Credit Builder Card
- 2. Chime Checking Account required to apply
Build Credit History
- Help increase your credit scores/FICO® Score by an average of 30 points¹
- Build credit history
- A better way to build credit
- Using Credit Builder can build your credit history
- Start building credit history with money you’ve set aside
Safer Credit Building
- Turn on Safer Credit Building* to automatically pay your balance in full each month
- Your balance will be automatically paid on time², every month
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Card Details Page
Chime Card™
No Credit Check to Apply6
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Card Brand
Visa®
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Rewards Rate
(1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
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Annual Fee
$0.00
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Monthly Fee
N/A
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Credit Recommended
All Credit Welcome
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Regular Purchase APR
N/A
- Full Details
Highlights
The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.
To apply for a Chime Card, Chime® Checking Account is required to apply.
Chime Card™ Key Highlights:
- Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
- Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
- Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
- Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months5.
- No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
- Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.
Get Started today and take the first step toward building your credit.
Card Details PageView All Other Cards
