Credit

Credit scores range from 300-850, and a "good" credit score is typically 670 or above on the FICO® scale. Higher credit scores can improve your chances of approval and lower interest rates.

You can build credit by paying bills on time, keeping credit balances low, and limiting new credit applications. Responsibly using tools like secured credit cards or credit builder accounts can also help.

A secured credit card requires a refundable deposit that usually equals your credit limit. It’s commonly used to build or rebuild credit with responsible use.

Yes, consistent use of the Chime Card™ can help you build credit¹ with on-time payment history, increase the length of your credit history over time, and more. Plus, get access to additional credit-building tools like rent reporting² and Experian Boost®³.

The Chime Card is a secured credit card that helps you build credit¹ with everyday purchases, offering no credit check, 0% interest⁴, and no monthly fees.

No credit check is required to apply for or use the Chime Card.

The Chime Card helps you build credit by reporting your payment activity to credit bureaus, allowing you to establish payment history with everyday purchases.¹

The Chime Card has no credit check, 0% interest,⁴ and no monthly fees.

You can get cash back on gas, groceries, and more through Chime Deals® by activating available offers in the app⁵. Local deals are available to all members, and nationwide deals are available to Chime Plus and Chime Prime members.⁶ You can stack cash back from Chime Deals with cash back on Chime Card. With Chime Prime™, you’ll earn 5% cash back on a category of your choice, and Chime Plus™ members can earn 2% cash back on a category of choice.⁷