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Chime Credit Builder Card

Build your credit with no fees, no interest, and no traditional credit check.
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Main Features

Discover tools built to help you grow credit while maintaining control over your spending.

No Hard Credit Inquiry

Explore eligibility without a traditional credit pull affecting your score.

No Interest Costs

Avoid APR charges and common credit card interest expenses.

App-Based Account Control

Monitor activity, manage spending, and handle payments from the Chime app.

Credit Bureau Reporting

Responsible usage may help support your credit-building goals through reporting.

No Annual Membership Fee

Use the card without ongoing yearly fees while working on your credit profile.

Spending Backed by Your Funds

Use available funds moved into the account to support controlled spending habits.

Why Many Choose Chime

Millions use Chime for digital banking tools designed around convenience and financial progress.

  • FDIC Protection

    Eligible deposits are protected up to applicable limits for added peace of mind.

  • Instant Account Notifications

    Receive real-time alerts to help monitor transactions and account activity.

  • Access Paychecks Earlier

    Qualifying direct deposits may arrive earlier than some traditional banks.

  • Optional Fee-Free Overdraft Features

    Eligible members may qualify for overdraft coverage features without added fees.

Start Building with Chime

Take a step toward stronger credit habits and explore how the Credit Builder card works today.

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