Build Credit the Smart Way with the Chime Credit Builder Secured Visa® Credit Card
The Chime Credit Builder Secured Visa® Credit Card is designed to help you build or improve your credit score without the traditional barriers of credit cards. With no annual fees, no interest, and no credit check to apply, it’s a safe and accessible tool for anyone looking to establish healthy credit habits. Paired with Chime’s easy-to-use app and automatic payment features, this card makes the credit-building journey simple and stress-free.
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No Credit Check Required
No credit check required to apply.
No Fees or Interest
No annual fees or interest charges.
Reports to All Major Bureaus
Reports to all three major credit bureaus.
Flexible Spending Limit
Flexible spending powered by the money you move into your account.
Why the Chime Credit Builder Secured Visa® Credit Card is a Game-Changer
The Chime Credit Builder Secured Visa® Credit Card offers a straightforward path to building or improving credit, especially for those who may struggle with approval for traditional credit cards. Unlike many secured cards, it doesn’t require a hard credit check, making it accessible to more people. There are no annual fees, no minimum deposits, and no interest charges, which eliminates the common financial pitfalls of credit building. Instead, you move money from your Chime Checking Account into your Credit Builder account, which sets your spending limit. This structure helps ensure responsible use while giving you control over your budget. Another powerful benefit is that Chime reports your payment history to all three major credit bureaus (Experian, Equifax, and TransUnion). By consistently making on-time payments, you can steadily improve your credit profile. Paired with Chime’s modern app, you’ll enjoy tools like real-time alerts, automatic payments, and spending insights that encourage smart financial habits. Overall, the Chime Credit Builder Secured Visa® Credit Card is a low-risk, high-reward way to grow your credit responsibly.
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Does the Chime Credit Builder Secured Visa® Credit Card charge interest?
No. This card has no interest charges.
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Will applying affect my credit score?
No. Chime does not perform a hard credit check when you apply.
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Is there an annual fee?
No. The card has no annual fee or hidden charges.
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Does it help build credit?
Yes. Chime reports your payment history to all three major credit bureaus.
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How do I set my spending limit?
Your limit is based on the money you move from your Chime Checking Account into your Credit Builder account.
How to Apply for the Chime Credit Builder Secured Visa® Credit Card
Getting started with the Chime Credit Builder Secured Visa® Credit Card is quick and simple. First, you’ll need to open a Chime Checking Account, which can be done online in just a few minutes. Once your account is active and you’ve set up a qualifying direct deposit, you’ll be eligible to apply for the Credit Builder card. Unlike many other secured credit cards, Chime does not require a hard credit check during the application process. This makes it accessible for those with little or no credit history. After approval, you can easily transfer money from your Chime Checking Account into your Credit Builder account. That money acts as your spending limit, giving you both flexibility and control. The card is then mailed to you, typically within 7–10 business days. While you wait, you can still manage your account through the Chime app and prepare to use your card once it arrives. Chime’s process is designed to be transparent and user-friendly, with no hidden fees or surprise charges. In just a few steps, you’ll have a powerful tool in your hands to build or improve your credit score.