Chime Card™

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking⁸. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges¹.

To apply for a Chime Card, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:

• Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status³.
• Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade⁴.
• Wide Access, Zero Stress – Use your card at fee-free in-network ATMs⁶ and deposit cash without extra charges at approved locations⁴.
• Credit Building Made Simple – On-time payments may positively impact your FICO® Score. In a recent Experian® study, members who used Chime’s earlier credit builder observed an average FICO® Score 8 increase of 30 points after approximately 8 months⁵.
• No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges⁶, and never worry about annual or late fees.
• Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit⁷.

Get Started today and take the first step toward building your credit.

Additional Info

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. and may be used everywhere Visa credit cards are accepted.

¹ Out-of-network ATM withdrawal and over the counter advance fees may apply.

² Based on a representative study conducted by Experian® in January 2024 members who made their first purchase with Credit Builder, an earlier version of Chime Card, between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. A credit score improvement is not guaranteed. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Activity on other credit accounts may also impact your score.

³ With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.

⁴ To fund your Chime CardTM, you can deposit funds to your Checking Account (including direct deposit, ACH transfer, linking an external debit card, payment apps) or deposit cash at retailers with your debit card, barcode, or Chime Card. Funds added to your Checking Account are transferred to your Chime Card Secured Deposit Account – other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then deposit to your Secured Deposit Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. See your Chime mobile app for funding option details.

⁵ Study of Credit Builder (an earlier version of Chime Card) saw users on avg increase their FICO® Score 8 by 30 pts over time with on-time payments. Other financial activity may impact overall credit history and scores. Results may vary, click to learn more.

⁶ Out-of-network ATM withdrawal and over the counter advance fees may apply.

⁷ Money added to Chime CardTM will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

⁸ Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

Specifications