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Chime Credit Builder: A Smarter, Safer Way to Build Credit

No credit checks, no fees, and complete control over your spending.

Por: Prosper Vein

The Chime Credit Builder Secured Visa® Credit Card is an innovative solution for anyone looking to build or rebuild their credit safely. Unlike traditional credit cards, it doesn’t require a credit check to apply. Instead, it works with your Chime Spending Account — giving you the power to control how much you spend, without the fear of falling into debt or incurring interest charges. This card doesn’t charge any annual fees, interest, or late fees. You move money into your Credit Builder account, and that becomes your spending limit. This means you’re always using your own funds, which eliminates the risk of overspending. Every time you use your card and pay it off on time, Chime reports your activity to all three major credit bureaus — helping you build a stronger credit score over time.

thumb_up Explore the advantages of the Chime credit card

The Chime Credit Builder Card offers a range of benefits that help you build credit without the pitfalls of traditional credit cards. Whether you’re starting from scratch or trying to improve your credit score, this card puts you in control and removes the stress of unexpected charges.
  • done No Credit Check Required
  • done No Annual, Interest, or Late Fees
  • done Reports to All Three Major Credit Bureaus
  • done Spend Only What You Transfer to the Card

thumb_down Understand the Disadvantages

While the Chime Credit Builder Card is an excellent option for many, it may not be ideal for everyone. It’s important to understand the limitations before applying. The card focuses on credit building rather than rewards or cashback, and it requires a Chime Spending Account to use.
  • close No Cashback or Rewards Program
  • close Requires a Chime Spending Account
  • close Cannot Be Used for Pre-Authorized Transactions (like hotel holds)

help How to Apply for the Chime Credit Builder Card

Applying for the Chime Credit Builder Card is quick and straightforward. You don’t need a credit score to get started, but you do need a Chime Spending Account. The process is 100% online, and there’s no paperwork or in-person visit required. After setting up your account and making a qualifying direct deposit, you’ll be eligible to apply directly in the app.
  1. Go to the Chime website or download the mobile app
  2. Sign up for a Chime Spending Account
  3. Set up direct deposit of at least $200
  4. Wait for the direct deposit to clear
  5. Apply for the Credit Builder card in the app
  6. Transfer funds to your card and start using it
The Chime Credit Builder Card is not just another secured credit card — it’s a modern approach to credit building that removes many of the barriers traditionally associated with credit. With no credit check required and zero fees of any kind, it creates a safe entry point for those who may have struggled with credit in the past or who are just starting out. This card links directly to your Chime Spending Account. You transfer the amount you want to use, and that becomes your credit limit. Because you can’t spend more than what you’ve deposited, there’s no risk of racking up debt. And yet, your responsible usage is reported to the major credit bureaus, allowing you to build or repair your credit history effectively.
thumb_up Go to the Chime Credit Card page You will be redirected to another website.