APPLY NOW Chime Secured Credit Builder Visa® Credit Card
No Credit Check to Apply
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Annual Fee0.00
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Credit NeededLimited to Good
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Credit Brand Visa®Card Details Hide Details
Credit Card Details
- 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.
Additional Info
- 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.
- 1 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- * 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 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3 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.
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