Looking for a credit card that helps you build your credit without trapping you in fees or interest? The Chime Credit Builder Secured Visa® Credit Card is designed exactly for that.
Unlike traditional secured cards, Chime doesn’t ask for a minimum deposit or even a credit check to apply. That means you can get started right away and stay in control of your finances while building your credit one on-time payment at a time.
Why This Card is for You?
The Chime Credit Builder Visa® is ideal for those who want to improve or establish credit history in a smarter way. Your credit limit is based on how much money you move into your secured account—no preset limits, and no risk of overspending.
Plus, Chime reports your activity to all three major credit bureaus: Experian®, TransUnion®, and Equifax®, giving you the best chance to see your score go up month after month.
Pros and Cons of the Chime Credit Builder Visa®
Before making your decision, it’s important to weigh the pros and cons:
Pros
- No credit check to apply: Anyone can start building credit—no hard inquiry.
- No annual fee or interest: Truly fee-free usage with zero APR.
- No minimum security deposit: Move only the amount you want to spend.
Cons
- Requires a Chime Checking Account: You’ll need to open an account before applying.
- No rewards program: This card is focused strictly on credit building.
How to Apply for Your Chime Credit Builder Visa®
Getting your Chime Credit Builder card is simple and 100% online. First, open a Chime Checking Account—it’s fast and doesn’t require a minimum balance. Once that’s set up, just log in to your Chime app, tap “Try Credit Builder,” and follow the easy enrollment steps.
Once you’re approved, you’ll receive your card in the mail within 7 to 10 business days. There’s no credit pull and no stressful waiting. Just fund your secured deposit account and start using your card immediately to build positive credit history.