How to Sign Up for Chime Credit Builder: Meet the Chime Card

Key takeaways

• Chime Credit Builder Visa^® Secured Credit Card is now Chime Card^™: the cash back credit card you can bank on.

• New Chime members can sign up for a Chime account and Chime Card within minutes.

• Once activated, you can use your Chime Card to start building credit history and earning cash back rewards¹ when you direct deposit.

If you're looking for a simple and safe way to build credit with Chime, Credit Builder has evolved into Chime Card: the best of banking meets credit building and cash back rewards. 0% interest,² 1.5% cash back,³ 100% made for you.

Let's break down how Credit Builder is now Chime Card, and how you can sign up in just a few minutes.

How do I get a Chime credit builder card?

The Chime Credit Builder Secured Visa^® Credit Card is no longer available as a new card – you'll want to sign up for Chime Card to get all the same, safe credit-building features plus fee-free banking⁴, access to over 47,000 fee-free ATMs,⁵ and 1.5% unlimited cash back rewards on rotating categories.³

To start building credit history and unlock the best of banking with Chime today, sign up for a Chime account and choose to apply for a Chime Card⁶ during signup.

How do I sign up for Chime Card?

Getting your Chime Card is stress-free – there's no credit check required, and you can sign up in minutes. Just provide your personal information to open a Chime account and apply for Chime Card.

Check out our full guide on how to get a Chime Card.

How does Chime Card work?

Chime Card is your new tool to unlock financial progress^™ with your credit. Here's how it works.

Sign up and add funds

When you sign up for Chime Card, you must also open a Chime Checking Account and a Chime Secured Deposit Account (SDA). The money you add to your account acts as your spending limit, or credit limit, on the Chime Card⁷.

Add to your virtual wallet for debit purchases (optional)

You'll also have access to the same checking features as members who have a Chime Visa^® Debit Card. While the Chime Card cannot be used like a debit card in stores, you can add your virtual debit card to Google Wallet^® or Apple Wallet^® to pay with debit on your phone.

Withdraw cash and keep track of your balance

You can also withdraw cash from ATMs just like you would with a debit card. There's one available balance shown in your app⁸, which updates automatically no matter which card you use (Chime Visa^® Debit or Chime Visa^® Credit).

Chime's ATM network includes Allpoint, Visa Plus Alliance, and FCTI ATMs. You can log in to the Chime mobile app to find a fee-free ATM near you. A $2.50 fee applies to make withdrawals at out-of-network ATMs.

Build credit safely

Because you're only spending money you already have in your Chime Secured Deposit Account (SDA), Chime Card helps you manage debt and build credit safely. With the Chime Card, your payments are reported to the three major credit bureaus to help you build positive credit history over time.⁹

Find out how to use Chime Card to safely build credit⁹, and read more about how credit reporting works with Chime.

What are the benefits of the Chime Card?

Here's a quick rundown of what you can get with the Chime Card:

• Unlimited 1.5% cash back on rotating categories when you set up qualifying direct deposit³

• Build your credit safely using your own money with no interest,² no annual fees, and no credit check

• Access to more than 47,000 fee-free ATMs nationwide for easy cash access⁵

• One balance view in the app

When you set up a qualifying direct deposit, you become a Chime+ member, unlocking:

• No monthly fees, overdraft fees, or foreign transaction fees⁴

• MyPay^® – access up to $500 of your paycheck early with no interest or mandatory fees¹⁰

• SpotMe^® – overdraft up to $200 with no fees¹¹

• Up to 3.75% APY on your high-yield savings account¹²

• 24/7 live support from real people

Can I get a Chime Card if I have Credit Builder now?

Chime Card is available for all Chime members! You should see info on enrolling in Chime Card directly in-app.

Follow the instructions in our guide on how to switch to Chime Card to enjoy cash back and all the new benefits while continuing to build credit.

Start building credit with Chime Card

Maintaining a good credit score is one of the most important steps you can take toward long-term financial progress. Whether you're working toward buying a home, lowering your interest rates, or just gaining more financial freedom, it all starts with how you manage your credit.

If you're ready to build credit safely, earn rewards, and make your money work smarter, sign up for Chime and apply for a Chime Card. It only takes a few minutes and there's no credit check.