Today’s Top Rated Credit Cards

Additional Info

• Purchase Intro APR : N/A
• Annual Fee: See Terms*
• Balance Transfers Intro APR : N/A
• Credit Needed: Bad/Fair
• Regular APR: See Terms*
• Processing Fee: See Terms*
• Cash Advance APR: See Terms*
• Monthly Servicing Fee: See Terms*

Additional Info

Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

²The average national savings account interest rate of 0.21% is determined by FDIC as of November 17, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more. Visit National Rates and Rate Caps to learn more.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

****Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

^^Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

˜Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^^^Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

• No monthly fees˜: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
• Grow your savings automatically with our Savings Account
• Manage everything from your phone
• Send money with Pay Friends to other Chime members^^
• Turn on real-time transaction notifications to get push notifications after every purchase and daily balance alerts every morning
• Turn your card on/off instantly in-app
• Move money between your other bank accounts
• Over 60,000 fee-free ATMs˜ with Moneypass® and Visa® Plus Alliance
• Apple Pay™ / Google Pay™ for when you forget your wallet
• Information security is a top priority
• EMV chip card security
• Friendly and responsive customer support
• 2.00% APY¹ on your Savings Account. That’s 11x² the national average!

Additional Info

Sign up for Kikoff Credit Service.

Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate.

Make your first payment.

Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus. This account stays open as long as your Kikoff account is active.

Open your Credit Builder Loan.

After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.

Additional Info

• Regular APR: See terms
• Annual Fee: See terms
• Credit Recommended: Poor to Good
• Brand Name: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Additional Info

• Balance Transfers Intro APR: N/A
• Purchases Intro APR: N/A
• Regular APR: 35.99% Variable
• Annual Fee: $59
• Ongoing Cash Advance APR: 35.99%