Advertiser & Editorial Disclosure

Secured Chime® Credit Builder Visa® Credit Card (Consumer Credit Card)

The Chime Credit Builder Visa® Credit Card is a no annual fee, no interest, credit card that helps you build your credit. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Credit Builder offers features that help you stay on top of key factors that impact your credit score options: a. your credit scores. or b. your credit. Consistent use of Credit Builder can help you build on-time payment history, increase the length of your credit history over time, and more. We report to the major credit bureaus –TransUnion®, Experian®, and Equifax®. The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. ¹On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. ²Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. ³To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Nav's Verdict

68% Complete
Effort to Apply
22% Complete
Card Perks
35% Complete
25% Complete


Bottom Line

Build your credit scores¹ with no interest². All you need is a Chime Checking Account and a qualifying direct deposit of $200³or more to get started.


A no-annual fee, no interest, no credit check option to start building your credit.


To get started, you need to open a Chime Checking Account.

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