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Check out our Top 10 Best Rated Prepaid & Debit Card Programs. The application process for these cards is very fast, safe and secure. Many of these cards do not require a credit check or minimum balance. Keep in mind that prepaid and debit cards are different from standard credit cards. When you use a prepaid or debit card, you are spending money you loaded onto the card in advance. This is gives you the ability to shop and pay bills online. An even greater advantage is using the direct deposit option that some of these cards provide, eliminating those frustrating check cashing fees! Let's get started below.
*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.
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.
Eligibility Requirements
Build Credit History
Safer Credit Building
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.
For people with bad credit or no credit, the idea of obtaining an unsecured credit card may seem farfetched. Fortunately, you have options. For example, a prepaid credit card may be just what you’re looking for.
As the name implies, a prepaid credit card is one that’s secured with a prepayment. Since you’re offering a prepayment to the issuer, there’s no risk on their end. They have the legal right to keep your prepayment should you default on your account.
Even if you don’t consider a prepaid credit card ideal, it doesn’t mean you should turn a blind eye. It could be just what you need to improve your finances and eventually reach your goal of obtaining an unsecured credit card.
Hundreds of options to choose from: Many banks and credit unions offer prepaid credit cards, so you shouldn’t have any problem finding one that suits your situation.
Their much easier to obtain than an unsecured credit card: If you have bad credit or no credit, you may be wasting your time by searching for and applying for an unsecured credit card. But when you turn your attention to a prepaid credit card, you’ll find that it’s easier to receive an approval.
Build your credit score: In addition to the convenience of having a credit card at your disposal, a prepaid credit card allows you to build your credit score. Just make sure the issuer reports all account activity to the three major credit bureaus.
About Our Ratings
We are not a lender. Instead, we partner with lenders and credit card banks that are willing to provide our audience with credit and loan products. We have no control over rates, fees, and other terms and conditions. This is determined by your lender, based on a variety of factors. We never make credit and/or loan offers and we don’t broker online loans and/or lines of credit. Also, we don’t make credit decisions. This website will submit the information provided by you to partner lenders and/or credit card banks. However, this does not guarantee that you will receive approval for any type of loan or line of credit. The operator of this website is not a broker, agent, or representative of any lender or credit line provider.
Advertiser Disclosure
We have agreements with our credit card banks and lending partners that allow us to receive compensation when someone applies or gets endorsed for a loan, credit card, or any other type of financial product throughout our website. Even with this agreement in place, all of the provided information is accurate, to the best of our knowledge, and provided in a neutral manner. Compensation may impact the products we review and survey, as well as their position on our website. We strive to provide a comprehensive guide to our users, but realize that our website does not include every product from every financial institution.
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