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

First Timers – 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 holders5
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 first timers 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

Are there credit cards for first-timers?

If you're a first-time credit card user, you can rest assured that there are credit cards out there for you. These first-time cards are usually easier to qualify for if you have a very low or no credit card history. Additionally, credit cards for first-timers often have simple rewards and low credit limits to help you build your credit history and financial education.

Is it better to use a credit card or debit card for first-timers?

Every credit card company has their own qualifications. Some basic criteria includes being at least 18 years old, having a stable income, and providing valid identification or your Social Security number. In most cases, meeting basic requirements, such as these, and choosing a card that fits your credit profile will help you qualify for a credit card that can help you out with car rentals. It's important to note, however, that you should also meet the requirements to rent a vehicle within your state in order to take advantage of the benefits of these cards.

Is it good to have a credit card for first-timers?

Having a credit card for the first time can be helpful if it's used responsibly. For example, credit cards are one of the easiest ways to start building your credit history, which will be important if you're ever looking to apply for a loan. Consistently making your payments on time assures potential lenders that your finances are stable, making you more likely to improve your credit scores.

How do I qualify for a credit card for first-timers?

Qualifying for a credit card as a first-time user is usually similar to qualifying for any other credit card. However, depending on the issuer, there may be some additional requests such as a security deposit, proof of income, debt-to-income ratio, or employment status.

What are the benefits of a credit card for first-timers?

Credit cards for first-time users often offer different benefits that are specifically catered to their needs. This could include support in building credit history, cash back incentives, and access to financial resources.