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Chime Secured Credit Builder Visa® Credit Card

Rating: 4.1
Credit Recommended: Fair/Bad/No

Credit Card Details

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® 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 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.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
  • No minimum security deposit required.1
  • Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
  • Reports to all 3 major credit bureaus.
  • Help increase your credit scores/FICO® Score by an average of 30 points*
  • View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
  • The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • *Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreemen for details; see back of card for issuer.
  • Card Network: Visa®
  • User Category: Consumer
  • Card Type: Secured
  • Issuing Country: United States

your benefits

Key Feature
Chime® Checking Account and $200 qualifying direct deposit required to apply.

Interest Rates & Fees

Intro APR:
N/A
Regular APR:
0%
Penalty APR:
See terms

Intro APR:
N/A
Regular APR:
N/A
Balance Transfer Fee:
See terms

Regular APR:
N/A
Cash Advance Fee:
See terms
Penalty APR:
See terms

Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
See terms
Apply for Chime Secured Credit Builder Visa® Credit Card - Credit-Land.com

Rating 4.1

APPLY NOW

Chime Secured Credit Builder Visa® Credit Card

  • Chime® Checking Account and $200 qualifying direct deposit required to apply.
  • No annual fees or interest.3
  • No credit check to apply.
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