The Chime Credit Builder

If you’re looking for a simple and secure way to start building credit, the Chime Credit Builder is one of the most user-friendly options out there.

CREDIT CARD

Chime Visa

EASY APPROBATION No annual fee

SEE HOW TO APPLY You will remain on the current site

The Chime Credit Builder Secured Visa Card isn’t like a traditional credit card; think of it more like a set of training wheels for your credit score. It’s designed to help you build credit safely, using your own money, so you’re always in control.

A Safe Way to Start Your Credit Journey with Chime

Why Chime Credit Builder Feels Different

This card was built to take the fear out of building credit. It’s all about creating positive habits in a safe environment.

• Build Credit Without the Worry: Chime reports your on-time payments to all three major credit bureaus, which is exactly what you need to build a positive history. Plus, their “Safer Credit Building” feature can automatically pay your bill on time, every time, from the money you’ve set aside. 
• No Interest or Annual Fees. Ever: This is huge. There’s no annual fee and zero interest (APR). 
• No Credit Check to Apply: They won’t pull your credit score when you apply. This makes it incredibly accessible if you’re just starting out.
• You’re in the Driver’s Seat: You decide your own “credit limit” by moving money from your Chime Checking Account to your Credit Builder secured account.

A Few Things to Know Before You Start

This card is a specialized tool, so it’s good to know exactly what it is—and isn’t.

• It’s Part of the Chime Family: To get the Credit Builder card, you first need to be a Chime user with a Checking Account and have that qualifying direct deposit set up.
• It’s a Stepping Stone, Not a Final Destination: Think of this card as your first step. It’s designed specifically to help you build your credit score, but it doesn’t automatically “graduate” into a regular, unsecured credit card later on. Once your score improves, you can confidently apply for other cards.

Who Is This Card For?

Honestly, this card is perfect for anyone who wants to build credit but is nervous about the risks of a traditional card. If you’re a student, a young adult just starting your career, or someone looking to bounce back from past credit troubles, this is an amazing tool. It gives you a straightforward, fee-free, and interest-free way to show the world you’re financially responsible.