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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
Beginners – 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 beginners?
Absolutely! People with little to no credit can find credit cards designed to help them jumpstart their credit history and credit scores. These cards also usually have straightforward terms, lower credit limits, and minimal fees, making it easy to avoid debt and make on-time payments. This process provides the ability to build positive credit history as these credit card issuers report to the credit bureaus.
Is it better to use a credit card or debit card for beginners?
For beginners, it is usually better to use a debit card than a credit card because it reduces the risk of accumulating debt. However, for those willing to take on the responsiblity of proper financial management, a credit card can be incredibly helpful for building a credit score, being approved for loans, and earning rewards.
Is it good to have a credit card for beginners?
Yes. Having a credit card can be great for beginners if used responsibly. Credit cards can help establish and build a credit history, which is important for future loans, rentals, and other important financial activities. However, beginners should make sure they manage their spending carefully, pay off the balance in full each month, and avoid accumulating debt and interest charges. Starting with a secured credit card or a card with a low credit limit can be a useful way for beginners to safely learn responsible credit use.
How do I qualify for a credit card for beginners?
For beginners to qualify for a credit card, they will usually need to be at least 18 years old, have a job or a stable source of income, and present valid personal identification. Fortunately, credit cards for beginners typically have less strict approval criteria, such as no requirement of a credit history or credit score, which can make it much easier to be approved.
What are the benefits of a credit card for beginners?
The main benefit of a credit card for beginners is its ability to build a credit history. Additionally, these cards can allow you to build credit history safely with features like low credit limits and fraud protection. Additionally, some beginner credit cards may offer other bonuses, such as rewards or cashback on your purchases.