If you’ve ever been turned away from a credit card due to your credit score—or lack of one—the Chime Credit Builder Visa® is here to change the game. This card removes the traditional barriers and puts you on the fast track to building a strong credit profile.
Whether you’re a student, freelancer, or someone who simply wants a second chance, this secured card gives you all the tools to succeed—without hidden fees or complicated rules.
About the bank Chime
Chime is a financial technology company revolutionizing the way Americans access banking services. While it’s not a bank itself, it partners with trusted FDIC-insured institutions to offer checking accounts, savings accounts, and now, a powerful credit-building tool.
Since its launch in 2013, Chime has gained millions of users thanks to its transparent, mobile-first approach. From early direct deposit to no-fee overdraft with SpotMe®, Chime continues to offer financial tools that make everyday money management simpler and smarter.
How This Card Works
The Chime Credit Builder Visa® is a secured credit card, which means your spending limit is determined by how much you deposit into your secured account.
You can move funds from your Chime Checking Account at any time, and the amount you move becomes your credit limit. Best of all, on-time payments are reported to all three major credit bureaus—helping build your score with responsible use.
Requirements to apply for this credit card
- You must have a Chime Checking Account
- Must receive a qualifying direct deposit to access certain features
- No credit check required to apply
- No minimum security deposit needed
Card fees
- No annual fee
- No interest charges
- No foreign transaction fee
- Out-of-network ATM fees may apply
Apply for your card online
- Open a Chime Checking Account via the Chime website or app
- Log in to the app and tap Try Credit Builder
- Follow the enrollment steps (no credit check required)
- Fund your secured account to set your spending limit
- Receive your card by mail in 7–10 business days
Get approved today!
With no hard credit pull and a hassle-free online process, the Chime Credit Builder Visa® is one of the easiest and most accessible ways to take control of your credit journey. If you’ve been hesitant to start building credit, this card is the perfect first step.
Ready to take action? Apply online today and start building better credit with zero interest, zero fees, and total peace of mind.