Chime Credit Builder Card
Create a stronger credit history with zero annual fees, no interest costs, and no credit check required to get started.
DISCOVER HOW TO APPLY You will remain on our website.Main Benefits
Build credit confidently while keeping full control over your spending.
No Credit Inquiry
Get started without affecting your existing credit score.
Zero Interest
No APR, no surprise charges, and no hidden costs.
Full App Management
Control spending, lock your card, and monitor activity directly from the app.
Credit Bureau Reporting
Your activity is reported to all three major credit bureaus.
No Yearly Fee
Improve your credit without paying annual membership fees.
Spending-Based Limit
Your available balance depends on what you move into your secured account.
Why Millions Trust Chime
Chime delivers modern banking tools designed to support financial progress.
FDIC Protection
Your eligible deposits are insured within federal limits.
Instant Notifications
Receive real-time alerts for transactions and account activity.
Early Pay Access
Access your paycheck up to two days ahead with direct deposit.
Overdraft Coverage
Qualify for fee-free overdrafts up to $200 with SpotMe®.
Start Building Credit Today
Take the next step toward better credit and smarter money management.
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