Credit Cards

Chime Credit Builder Visa® Credit Card Review

A Comprehensive Guide to Building Credit Without Fees

Credit Builder

Build Credit with No Annual Fees, No Interest, and No Credit Check

Annual Fee: $0
Interest Rate: 0%
Credit Check: Not Required
Reports to: TransUnion®, Experian®, and Equifax®

Chime Credit Builder Visa® Card

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Choose Your Credit Limit

The Chime Credit Builder Visa® Card, now part of the Chime Card™ experience, lets you spend based on the money you add to your secured account. The amount available to spend works like your spending limit.

Set Limit as Low as $1

Set Limit as High as You Want

No Annual Fees and No Interest

The Chime Credit Builder Visa® Card is designed to help you build credit with no annual fees, no interest, and no credit check to apply. Since you spend money you add to your secured account, it can be a safer way to build credit over time.

Chime Credit Builder Visa® Card

Build credit with no annual fees, no interest, and no credit check to apply.

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How to Apply

Applying for the Chime Credit Builder Visa® Card is simple and can be done online. You need a Chime account, then you can add funds to your secured account and use the card anywhere Visa credit cards are accepted.

Compare with Other Options

If you’re considering other cards, the U.S. Bank Secured Visa® Card can also help you build credit while offering the structure of a traditional secured credit card.

U.S. Bank Secured Visa® Card

Build credit with a traditional secured card option.

Compare Cards

Frequently Asked Questions

: No, the Chime Credit Builder Visa® Card does not have an annual fee. Out-of-network ATM withdrawal and OTC advance fees may apply.
: No, Chime does not charge interest on this secured credit card because you spend money you add to your secured account.
: Yes, Chime reports payment activity to TransUnion®, Experian®, and Equifax®, helping you build credit history over time.