Chime Credit Builder Card
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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.
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FDIC Protection
Eligible deposits are protected up to applicable limits for added peace of mind.
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Instant Account Notifications
Receive real-time alerts to help monitor transactions and account activity.
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Access Paychecks Earlier
Qualifying direct deposits may arrive earlier than some traditional banks.
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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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