Chime Credit Card: A Smart Way to Build Your Credit
Chime offers a user-friendly credit card designed to help you build credit safely, without the risk of debt or high fees. It’s an ideal option for beginners and those rebuilding their credit.
By: Prosper Vein
No Credit Check
The Chime Credit Builder card does not require a credit check to apply, making it accessible for those with little or no credit history.
No Annual Fees or Interest
You pay no annual fees, no interest charges, and no late fees — ever.
Build Credit Safely
Your usage is reported to all three major credit bureaus, helping you build credit responsibly.
Controlled Spending
You can only spend the money you move to the card, helping you avoid overspending and debt.
Everything You Need to Know About the Chime Credit Card
The Chime Credit Builder Secured Visa® Credit Card is a powerful tool for building your credit score without the traditional risks that come with a credit card. It’s a secured card, but unlike many others, it doesn't require a minimum security deposit, nor does it charge any fees or interest. Instead, it works with your Chime Spending Account — you move money onto the Credit Builder card, and that becomes your spending limit. Every month, your responsible use is reported to the three major credit bureaus (Equifax, Experian, and TransUnion), helping you gradually improve your credit score. The card is backed by Visa, so it’s accepted anywhere Visa is. It's an ideal choice for those just starting out with credit or looking to repair their score without taking on new debt. The simplicity and transparency of the program make it stand out from traditional secured credit cards.
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Is there a credit check to get the Chime Credit Builder card?
No, Chime does not perform a credit check when you apply for the Credit Builder card.
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Do I need a minimum deposit to use the card?
No, there is no minimum deposit required. You control how much money is moved to the card.
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Does this card charge any interest or fees?
No, there are no interest charges, no annual fees, and no late fees.
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Can using this card really help improve my credit score?
Yes. Chime reports your activity to all three major credit bureaus, helping you build your credit over time.
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Where can I use the Chime Credit Builder card?
You can use it anywhere Visa is accepted, both online and in stores.
How to Apply for the Chime Credit Card
To get the Chime Credit Builder Card, you first need to open a Chime Spending Account, which is free and easy to set up. There’s no credit check involved, and the process can be done entirely online or through the Chime mobile app. Once you’ve opened the Spending Account, set up a qualifying direct deposit of $200 or more to become eligible for the Credit Builder card. After your deposit clears, you’ll be able to apply for the card directly through the app. Chime will review your deposit and account activity — not your credit history — to determine your eligibility. Once approved, you can transfer any amount from your Chime Spending Account to your Credit Builder card. That transferred amount becomes your spending limit. Since you can’t spend more than what you’ve moved, it keeps your usage under control and prevents debt. This system gives you full control while still allowing you to build credit over time. Everything is managed easily through the app, making it accessible and user-friendly.