December 22, 2025
Written by Choncé Maddox
Certified Financial Education Instructor®
Certified Financial Education Instructor®
Choncé Maddox, CFEI®, is a freelance writer who loves to talk about everything personal finance. Her work has been featured in Business Insider, LendingTree, Fox Business, and more.
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.
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.
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.
Chime Card is your new tool to unlock financial progress™ with your credit. Here's how it works.
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.
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.
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.
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.
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
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.
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.
If you were a fan of Chime's Credit Builder, you'll love the experience of the Chime Card. The core concept remains the same. You're still using your own money to build credit history safely. But now, you also get a more seamless experience, a single visible balance in the app, and the ability to earn 1.5% cash back on rotating categories when you set up direct deposit as a Chime+ member.3
When you open a Chime Card, you're actually getting access to three different accounts that work together: a Chime Checking Account, a Secured Deposit Account, and a secured Credit Card Account. Your experience will feel like you're managing just one card and one balance in the Chime app. Everything is designed to stay simple and streamlined for you.
Yes! You can easily add your Chime Card to mobile wallets like Apple Pay and Google Pay for added convenience and secure tap-to-pay options. If you have a Chime virtual debit card, you can add that too, even if you haven't opted for a physical debit card. So managing your money on the go has never been easier.
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.
Chime Checkbook: While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).
APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.
This guide is for informational purposes only. Chime does not provide financial, legal, or tax advice. You should check with your legal, financial, or tax advisor for advice specific to your situation.
Third-party trademarks referenced for informational purposes only; no endorsements implied.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.
With qualifying direct deposits, earn 5% cash back as a Chime Prime member or 2% cash back as a Chime Plus member on up to $1,500 of eligible secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.
The Annual Percentage Yields ("APYs") for the Chime Savings Account are variable and may change at any time. The disclosed APY rates are effective as of 01/29/2026. No minimum balance required. Must have $0.01 in savings to earn interest. The following APY rates apply based upon your status: 3.75% APY for Chime Prime, 3.00% APY for Chime Plus, and 0.75% APY for standard. See Chime Membership Tiers Terms and Conditions for more details.
Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752
Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.
© 2013-2026 Chime Financial, Inc. All rights reserved.
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.