Chime Card: The zero-fee Credit Builder
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Chime offers a secured credit card designed to help you start building your credit with ease—without the typical requirements of traditional cards. With no annual fees and a simple application process, it’s a smart solution for anyone beginning their financial journey.
Why Choose Chime?
Chime is one of the most downloaded financial apps in the United States and a leading brand in the fintech space. The company continues to invest in digital banking to offer users a seamless way to manage their money.
The Chime Visa® Credit Builder Card is specifically crafted for individuals with little or no credit history who need a trustworthy tool for daily use—and a solid way to begin establishing credit.
It’s one of the top-rated secured credit cards in the country, with over one million 5-star reviews across Android and iOS app stores.
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How Does It Work?
The Chime Visa Credit Builder Card operates as a secured card, meaning you’ll make a refundable security deposit that sets your credit limit. For example, if you deposit $200, your credit limit will be $200.
This deposit is only used if you miss payments. As long as you pay your bill on time each month, your deposit remains untouched. In return, Chime reports your payment history to the major credit bureaus, helping build or improve your credit score over time.
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What You Get with Chime Visa Credit Builder
No annual fees or interest
No credit check required to apply
Fraud protection with Visa’s zero liability policy
Global acceptance anywhere Visa is accepted
Credit-building benefits through on-time payments
What is the credit limit?
Your limit equals the amount you transfer to your Credit Builder secured account.
Is there a sign-up bonus?
No bonus is currently offered, but the card’s fee-free structure and credit-building power offer long-term value.
What are the main fees?
There are no annual fees, no interest charges, and no foreign transaction fees.
Do I need a good credit score?
No—Chime does not perform a credit check. It’s designed for people with no or poor credit history.
Can I apply online?
Yes. You can apply easily through the Chime mobile app or website after opening a Chime Spending Account and setting up a qualifying direct deposit.
CREDIT CARD
Chime Visa
If you want the card, then see how to apply.
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Start Building Your Credit the Smart Way
When you become a Chime member, applying for the Credit Builder card is simple. There’s no hard credit check, and you get a reliable, secure way to demonstrate responsible credit use—laying the groundwork for better financial opportunities.
With Visa’s global acceptance and fraud protection, your purchases are safe, and your card is ready for use almost anywhere.
Looking for Another Option?
If you’ve already built some credit and are looking for something with more advanced benefits, consider the Wells Fargo Reflect® Card:
0% Intro APR for 21 months
No annual fee
Cell phone protection
And more.
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