Build Credit Cards

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

*Limited Time Only: $0 Intro Annual Fee For Year 1 with the Self Card

• The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
• Use your card anywhere Visa® is accepted in the US.
• A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
• Get help staying on track with Autopay and account alerts.
• Manage your account 24/7 online, by phone, or in our mobile app.

*$0 annual fee for the first year only. $25 annual fee after. 28.24% Variable APR. Limited time offer.

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Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

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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.

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Highlights

• Now with higher credit limits
• Increase your access to available credit
• Higher limit than before, still no security deposit required!
• Greater access to credit than before
• Less than perfect credit is okay
• Mobile account access at any time
• Account history is reported to the three major credit bureaus in the U.S.

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Highlights

• Get up to a +86 average* FICO® Score increase on autopilot
• Largest credit builder in the nation
• Build from $2,000 up to $30,000 of credit history starting at low monthly payments
• Great if you want to access premium CCs & higher credit limits
• No credit history needed; no hard check required
• No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

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Highlights

• Credit for everyone – Regardless of your credit history!
• Get paid up to 2 days faster – Using Direct Deposit.
• Build credit not debt.
• Grow your savings – Earn up to a 4.00% Bonus on Savings Pods

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Highlights

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY

• Build your credit score every time you spend
• Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
• No credit check or hard inquiry
• No overspending
• No interest, overdraft fee, late payment fee, or account minimum requirement
• We can approve your credit card application regardless of your credit history¹
• We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
• Applying for Firstcard does not impact your credit score

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Highlights

Upside gets you cash back on daily essentials like gas, groceries, and dining. It’s designed to reward you for simply being yourself, allowing you to indulge in more of what you love. With over 50,000 participating gas stations, grocery stores, and restaurants, cash back opportunities are always just around the corner.

• Earn rewards every time you shop for gas, groceries, or food with Upside’s highly-rated free app.
• Claim a cashback offer at a nearby location.
• Make your purchase using a credit or debit card.
• Cash out your earnings directly to your bank account, PayPal, or a gift card.

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