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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
Balance transfers – credit card with no credit check to apply
- No annual fee or interest¹
- No credit check to apply
- No minimum security deposit required²
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For Chime Checking Account holders5
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.
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Join millions already using Chime’s Credit Builder
Give your credit some love. Start by opening a Chime Checking Account, and you’re ready to apply.5
Move Money. The money you move from your Checking Account into the Credit Builder secured account is the amount you can spend on your card.
Spend Money. Use Credit Builder anywhere Visa credit cards are accepted. Whether it’s gas or groceries, use Credit Builder on everyday purchases to help build credit when you make on-time payments.
Help build credit. The money you moved to Credit Builder can automatically pay your monthly balance on time with the Safer Credit Building feature turned on—which we report to major credit bureaus.
Still have questions about Chime’s credit card?
FAQs
Are there credit cards for balance transfers?
Of course! There are definitely credit cards that can be used specifically for balance transfers. These cards can usually help you manage and pay down your existing debt more efficiently by offering benefits like introductory 0% APR on your balance transfers for a set period. This can allow you to transfer high-interest debt from other credit cards and pay it off without accruing additional interest during the promotional period.
Is it better to use a credit card or debit card for balance transfers?
When it comes to balance transfers, it is better to use a credit card that is specific for balance transfers. Usually, these types of cards offer an initial 0% APR on transferred balances, allowing you to make debt payments without accruing additional interest. It is important to mention that debit cards do not support balance transfers, making them impossible to use in these situations.
Is it good to have a credit card for balance transfers?
If you have an outstanding balance on a high-interest credit card, it could be useful to find a credit card that accepts balance transfers. These cards typically offer benefits – like 0% APR for a certain period of time – that are purposely designed to help you pay off your high-interest debt.
How do I qualify for a credit card for balance transfers?
To qualify for a credit card for balance transfers, there are a few common requirements. First of all, you should have a good payment history, a stable source of income, and proof of your identification. There are also some additional criteria that will apply depending on the specific credit card you choose to apply for, though these can vary. In general, the better credit history you have, the easier it will be to be accepted.
What are the benefits of a credit card for balance transfers?
Credit cards for balance transfers provide a wide number of benefits, many of which are designed for the sole purpose of paying off these debts. These advantages could include introductory 0% APR for a set period, debt consolidation, and rewards or cashback programs.