APPLY NOW Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
n/a
Annual Fee0.00
n/a
Credit NeededLimited to Good
0.00%
Credit BrandVisa®
Card Details Hide Details
Credit Card Details
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
- Meet Credit Builder, a brand new 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.
Additional Info
¹ Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
* Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
Long Time Chime User
Every single person should get a Chime Account. There is no minimum balance to open. You get a checking account, savings account and Visa debit card. All of these accounts are 100% FREE! You deposit money at many convenient retailers and thru direct deposit. You can overdraft up to $200 per pay period, depending on how much you get paid. There is no fee for the overdrafts, called SpotMe. It is easy to transfer money into your savings every time you get paid with auto pay or manually moving the money within the app. You can also send money to friends easily or transfer money to non chime accounts. There is a great toggle switch on the app to turn transactions on or off so no surprise debits hit your account during a bad time. You get notified of your balance daily and of all transactions and deposits. You really get paid 2 days early with direct deposit. This is the best account/debit I have ever had!
Good days to come from this card
Sweetness
So far so good
I have bad credit due to my young stupidity. I decided to apply for Chime, also thinking I’m not going to even get a card. I was wrong, wrong about Chime thank you Chime for giving me a Adult chance and working with me, appreciate it.
General Disclaimer
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