Chime Credit Builder Secured Visa Credit Card
The Chime Credit Builder Secured Visa helps you build credit with no fees or interest, flexible deposits, and full control through the Chime app.
By: Zienic
No annual fees or interest
No annual fees, no interest, and no minimum deposits required.
Build credit with everyday purchases
Build credit with everyday purchases and on-time payments.
Flexible security deposit
Flexible security deposit based on how much you move into your account.
Full control in the mobile app
Easily manage and track your spending through the Chime mobile app.
Why the Chime Credit Builder Secured Visa Credit Card Stands Out
The Chime Credit Builder Secured Visa Credit Card is a unique option for individuals looking to establish or improve their credit. Unlike traditional secured cards, Chime does not charge annual fees, interest, or require a minimum security deposit. Instead, the card works with a flexible security deposit system that you control by transferring money into your Credit Builder account. Payments are automatically reported to the major credit bureaus, which helps you build a positive credit history over time. With everyday purchases, like groceries or gas, you can steadily strengthen your score without taking on debt. The card is accepted wherever Visa is, making it easy to use for both daily expenses and online transactions. In addition, Chime’s intuitive mobile app allows users to track their spending in real time, set budgets, and receive alerts, providing extra control over personal finances. These features make the Chime Credit Builder Card a modern, transparent, and convenient tool for credit building.
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Does the Chime Credit Builder Card charge interest?
No, Chime does not charge interest on purchases made with the Credit Builder Card.
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Is there a credit check to apply?
No, applying for the card does not involve a hard credit check.
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What is the minimum security deposit required?
There is no minimum deposit requirement; you set your own spending limit by transferring funds.
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Does Chime report to credit bureaus?
Yes, Chime reports your on-time payments to the major credit bureaus, helping build your credit history.
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Where can I use the Chime Credit Builder Card?
The card is accepted anywhere Visa is accepted, both in-store and online.
How to Apply for the Chime Credit Builder Secured Visa Credit Card
Applying for the Chime Credit Builder Secured Visa Credit Card is straightforward and does not involve a hard credit check. First, you must open a Chime Checking Account, as it’s required to access the Credit Builder feature. Setting up an account is quick and can be done entirely online or via the Chime mobile app. Once your checking account is established, you can apply directly for the Credit Builder Card. Unlike traditional cards, you won’t be asked for a set security deposit; instead, you transfer money into your Credit Builder account, and that amount becomes your spending limit. This flexibility ensures the card adapts to your personal financial situation. Approval is typically quick, and since no hard inquiry is performed, applying won’t negatively affect your credit score. After receiving your card, simply use it for everyday purchases and pay your balance on time to start building credit. With easy-to-use digital tools, Chime ensures the application and usage process remains transparent and accessible.