Chime Credit Builder Secured Visa® Credit Card

Credit Card Details
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No Credit Check to Apply

Card Brand Visa®

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 0.00%

Annual Fee 0.00%

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • No Credit Check to Apply
  • No Minimum Deposit Required*
  • No preset spending limit
  • Doesn’t charge interest*
  • Reports to Experian, Equifax and TransUnion credit bureaus
  • Ability to instantly disable your card to prevent fraud
  • Can be used everywhere Visa is accepted

Additional Info

  • No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
  • Help increase credit score by an average of 30 points1
  • View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
  • Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
  • Build credit history with your own money – your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
  • Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
  • Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
  • Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account and receive a qualifying direct deposit of $200 or more2. See to learn more.
  • 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 Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • *No interest: Out of network ATM withdrawal fees may apply. See here for details.
    1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

    2 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

    3 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

    ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.


Regular APR 0.00%
Annual Fee 0.00%
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Fair/Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
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