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The Chime Secured Credit Builder Visa® Credit Card is a secured card linked to a Credit Builder Secured Account. It works just like a regular credit card in that you can use it to buy gas, groceries, or household goods anywhere Visa is accepted. With consistent use and regular payments, the Credit Builder card can help you build a history of on-time payments, increase the length of your credit history, and improve your credit score.

As a popular fintech company, Chime removes the usual upfront security deposit for a secured account. Instead, your credit limit is the total balance you've deposited into the secured account, and since you can only spend the money you have, you'll avoid APR charges, late payment fees, and over-limit penalties.

The Chime Credit Builder Visa® Credit Card is a relatively new breed of secured cards. Unlike other secured credit cards, Credit Builder helps you build credit with no annual fees and no interest. Plus, there's also no credit check required to apply, and you do not have to pay many major card costs.