The Chime Visa Credit Card

The Chime Credit Builder Secured Visa Card offers an innovative and supportive way to take control of your credit journey. 

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 is here to show you there’s a different, smarter way. This card was created with one clear goal: to help you take that confident first step, whether you’re just starting out or need a second chance. It simplifies the whole credit-building process by letting you use your own money to secure your spending, proving your financial responsibility safely and effectively. 

Build Your Financial Future: A Smarter Way with the Chime Credit Builder

Pros: Why Chime Credit Builder is a Game-Changer for Your Credit

• Get Approved Without a Hard Credit Check: Worried your credit history (or lack of one) will hold you back? Chime looks at things differently. Your eligibility for Credit Builder isn’t based on a traditional hard credit check.
• Build Your Credit Safely and Effectively: This is where Chime really shines. They report your payment history to all three major U.S. credit bureaus.
• Zero Interest (APR) and Zero Annual Fee!¹: Say goodbye to confusing interest charges and surprise fees. The Chime Credit Builder charges no interest (APR). Plus, it has no annual fee¹, no minimum security deposit², and no foreign transaction fees.
• You’re in Control of Your Spending Limit: There’s no pre-set credit limit decided by a bank.
• Learn As You Go: Chime often provides tools and resources to help you understand and manage your finances, track your progress, and build healthy financial habits for the long run.

Cons: What to Know About Chime’s Unique Approach

• Requires a Chime Checking Account & Direct Deposit: To get started with Credit Builder, you first need to open a Chime Checking Account and receive a qualifying direct deposit.
• Focused Solely on Credit Building (No Extra Rewards): The card’s one and only mission is to help you build or rebuild your credit. Because of this laser focus, it doesn’t offer rewards.

Is This Card For You? (It Probably Is If You’re…)

The Chime Credit Builder is a fantastic match for an individual in the U.S. who has never had a credit card before and wants a safe, easy, and fee-free¹ way to start building their credit profile. 

It’s also an excellent tool if you’re looking to rebuild your credit score after facing some financial challenges, as it removes common barriers like hard credit checks and the risk of accumulating interest.

College students, young professionals, or gig economy workers needing a simple, effective way to establish that all-important positive credit history will find it ideal. 

Ultimately, it serves anyone in the U.S. who prefers a straightforward, no-interest, and no-annual-fee system for building credit with confidence.

Ready to build your financial future, the smarter way? You can learn more and get started on the next page.