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 Credit Builder Secured Visa® Credit Card

People with a 750 credit score – credit card with no credit check to apply

  • No annual fee or interest¹
  • No credit check to apply
  • No minimum security deposit required²
Already a Chime member?
For Chime Checking Account holders with eligible direct deposit5
Credit Builder app screenshot and Visa credit card

Start building credit for free.

No annual fees, no interest, or large security deposits². No credit check to apply.

Start building credit safely.

Instantly disable your card to help prevent fraud. Build credit using your own money to limit the risk of debt and missing payments. Get covered fee-free through SpotMe on transactions up to $200.³

Start building credit on everyday purchases.

Start building credit with everyday purchases and on-time payments4. Use it everywhere Visa credit cards are accepted.

Start building credit for a better future.

We report to all 3 credit bureaus to help you build credit over time. Members see an increase of 30 points on average5.

Member testimonials.

“My goal is to be able to buy a house and finance a new car on my own. Credit Builder has definitely helped me to build my credit back up to a point where I can do that.”

-Emily A.

“By using the credit builder I can finally get the chance to move forward in the right direction and have the future I've always wanted!!”

-Gareth G.

“I'm new to credit so it feels really good seeing that I'm safely increasing my score.”

-Larnell W.

Real member. Sponsored content.

How it works.

Credit Builder is great for people with a 750 credit score looking
for an easy way to build crget better interest
rates for that dream
car or house3
unlock their
financial progress
build credit with
purchases you
already make with
on-time payments4
find an easy, free,
safer way to help
build credit
use a card with no
annual fees, interest,
or credit history
requirements

FAQs

What do I need to apply for a Credit Builder?

All you need is a Chime Checking Account and qualifying direct deposits of $200 or more.

Don’t have a Chime Checking Account? Apply for one in under two minutes!

Will it require a hard credit check to apply?

No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.

Do I need to have a Chime Checking Account to use Credit Builder?

Yes. We designed Credit Builder to work with the Chime Checking Account so that you can move money instantlyacross your Chime accounts!

Does Chime charge any fees for using Credit Builder?

We have no fees to apply, no annual fee or interest1, and no fee to replace your card. We do charge an out-of-network ATM fee if you use your card at an ATM that is not a part of Chime’s fee-free network of 60,000+ ATMs.6

How can Credit Builder help my credit score?

Credit Builder offers features that help you stay on top of key factors that impact your credit scores. Consistent use of Credit Builder can help you build credit and, with on-time payments, increase the length of your credit history over time. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.  

Learn more about credit building with Credit Builder.

What makes Credit Builder different from traditional credit cards?

Unlike traditional credit cards, Credit Builder is a secured card that helps you build credit history with no annual fees and no interest.1 There’s also no credit check to apply!

Credit Builder is a secured credit card. The money you move into Credit Builder’s secured account is the amount you can spend on the card. In fact, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you moved to the secured account does not contribute to a high-utilization record on your credit history.

Learn more about how Credit Builder works.

Is Credit Builder a secured credit card?

Yes, Credit Builder is a secured credit card. The money you move to the Credit Builder secured account is how much you can spend with the card. This amount is often referred to by other secured credit cards as the security deposit. Like other secured credit cards, Credit Builder also reports to the major credit bureaus, to help you build credit history over time.

However, for many secured credit cards, the security deposits are unavailable to you, the consumer, until you close the account. With Credit Builder, you can use your deposit to pay what you owe on Credit Builder. Plus, Credit Builder charges no annual fees and no interest1, and no minimum security deposit required2!

What is the credit limit?

Credit Builder doesnt have a pre-set credit limit. Instead, the money you move into your Credit Builder secured account sets your spending limit on the card.

With traditional credit cards, using a high percentage of your available credit limit could negatively impact your credit score. You dont have to worry about that with Credit Builder because Chime does not report credit utilization. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

How much you can spend with Credit Builder is shown to you as “Available to Spend” in the Chime app.

If I use all the money I add into Credit Builder, will Credit Builder report high utilization and hurt my credit score?

Nope. Credit Builder doesnt report percent utilization to the major credit bureaus because it has no pre-set credit limit. That means spending up to the amount you added will not show a high-utilization card on your credit history. So you can use Credit Builder for your everyday purchases and let them count toward credit building when you make on-time payments!