Build credit with Chime Card
Chime Credit Builder Visa® is a secure, beginner-friendly card with no annual fee, no interest, and no credit check. It’s ideal for safely building credit.
By: Creative Pulse
No Annual Fees
Enjoy all the benefits of a credit-building card without having to pay a yearly fee.
No Credit Check to Apply
You don’t need to worry about a hard inquiry impacting your credit score.
Reports to All Major Bureaus
Chime reports your on-time payments to Equifax®, Experian®, and TransUnion®.
No Interest Charges
Since you set your spending limit with your own money, there are no interest fees.
What Makes the Chime Credit Builder Card So Unique?
The Chime Credit Builder Visa® is not your typical credit card. It functions as a secured card, but without many of the hassles usually associated with them. You decide your spending limit by moving money into your Credit Builder account—giving you complete control over your budget. There’s no interest, ever, and since your credit limit is tied to your own funds, there’s no chance of overspending or building up revolving debt. Plus, the card is accepted anywhere Visa is, so you can use it just like a regular credit card. Another standout feature is the credit reporting. Chime automatically reports your on-time payments to all three major credit bureaus, which can help you build your credit score with responsible use. Whether you’re new to credit or trying to recover from a few missteps, this card gives you the tools to succeed—without hidden fees or complicated terms.
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Is the Chime Credit Builder Card a real credit card?
Yes, it’s a secured Visa® credit card designed to help build credit, accepted anywhere Visa is.
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Will applying for the Chime card hurt my credit score?
No, there’s no credit check required to apply, so your score won't be impacted.
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How does the Chime Credit Builder Card help build credit?
Chime reports your payment history to all three major credit bureaus, helping build your credit over time with on-time payments.
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Do I have to pay interest on purchases?
No, since your credit limit is based on the money you transfer into your secured account, there’s no interest charged.
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Can I use the Chime card to rent a car or book a hotel?
Yes, it works like a regular Visa® credit card, so you can use it for everyday purchases, including hotels and car rentals.
How to Apply for the Chime Credit Builder Card
Getting the Chime Credit Builder Card is refreshingly simple. First, you’ll need to open a Chime Checking Account, which comes with no monthly fees or minimum balance requirements. Once your account is set up and you’ve received at least one qualifying direct deposit (usually $200 or more), you’ll be eligible to apply for the Credit Builder card directly through the Chime mobile app. Once approved, you can transfer money from your Chime Checking Account into your Credit Builder secured account. This amount becomes your spending limit. There’s no credit check involved and no hard inquiry on your credit report, which is perfect for those just starting out or those working to rebuild. The entire process is done online, and Chime’s app makes it easy to track your spending, move funds, and monitor your credit progress. If you want a no-hassle way to start building good credit habits, this is a smart and accessible first step.