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Chime Credit Builder Secured Visa® Credit Card

Buying food – 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
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 foodies 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 foods?

There aren't credit cards designed for food purchases, but many offer rewards and benefits that are advantageous for grocery shopping and dining out.Some credit cards provide higher cashback percentages or reward points for purchases made at supermarkets, restaurants, and food delivery services.If you are considering these types of cards, make sure to always evaluate the annual fee, interest rates, and specific categories that earn the most rewards.Some cards offer introductory bonuses if you spend a certain amount within the first few months. On the downside, these cards may come with higher interest rates or fees if you don't pay off your balance in full each month. Reward points or cashback can sometimes be limited to specific stores or have expiration dates.

Is it better to use a credit or debit card for food?

The best choice depends on your financial habits, spending discipline, and the specific features of your cards. When purchasing food, you should consider the advantages and disadvantages of both alternatives:

Benefits of using credit cards for food purchases:You can earn rewards points, cash back, or travel miles.Credit cards offer better fraud protection and extended warranties.

Cons of using credit cards for food purchases:You should manage your spending carefully to avoid accumulating debt and incurring high interest charges.

Benefits of using debit cards for food purchases:Best alternative for budgeting. By using debit cards you reduce the risk of overspending since the money is directly withdrawn from your account.

Cons of using debit cards for food purchases:They offer less fraud protection and benefits than credit cards

Is it good to have a credit card for food?

One of the primary advantages is the ability to track your spending more easily, as many credit card statements categorize expenses, allowing you to see exactly how much you're spending on food each month. Additionally, some credit cards offer rewards or cashback on grocery purchases, which can lead to significant savings over time. However, if not managed properly, using a credit card for food can lead to accumulating debt. It's also important to be mindful of your credit limit, avoid overspending, and consider the annual fees.

How do I qualify for a credit card for food?

Considerations for qualifying for a credit card for food include:

- Asses your credit score- Review your income and debt-to-income-ratio- Look for cash back or rewards points on grocery and dining purchases- Your spending habits

Before choosing a credit card, evaluate annual fees, interest rates, potential penalties for late payment, and limitations and/or exclusions.

What are the benefits of a credit card for food?

Using a credit card for food purchases can offer some benefits, such as:- Rewards programs- Purchase protection- Makes tracking expenses easier!However, make sure to consider all the costs associated with credit cards, such as fees and interest tares.

Are there credit cards for sole proprietorship?

Several credit card options are available for sole proprietorships, offering cash back, points, and travel miles on business expenses. These cards also offer higher credit limits which allow you to manage your cash flow flexibly. If you are considering credit cards for sole proprietorships, consider the potential rates and interest that may come with them, especially when they include introductory 0% APR periods. The impact of getting these types of cards on your credit score is also something you will need to assess before applying since one of the main requirements is a personal guarantee to ensure your personal credit is on the line if you cannot afford your business debts.

Is it better to use a credit card or debit card for a sole proprietorship?

When you apply for a credit or debit card for a sole proprietorship, it is important to assess the benefits and potential drawbacks of each offer. A card for sole proprietorship can help you build business credit, earn exclusive rewards, and manage your cash flow effectively, as well as include protection for your purchases. However, these types of cards can accrue a higher interest debt when not used responsibly. Debit cards are a good option to maintain a healthy financial discipline since they only allow you to spend what you have in your bank account, as well as offer lower fees, even though you may not be able to access many rewards and fraud protection perks. Before you choose a credit or debit card, make sure to ponder your business’s needs and tolerance for risk.

Is it good to have a credit card for sole proprietorship?

A credit card for a sole proprietorship can offer several advantages, including the ease of separating personal and business expenses and simplifying bookkeeping and tax preparation. Additionally, many credit cards offer rewards programs, such as cashback or travel points, which can be particularly beneficial for business-related purchases. However, it's crucial to be mindful of the interest rates and fees associated with credit cards and the impact on your personal credit score since sole proprietorships do not have a separate legal identity from the owner. This means that any debt incurred on the business credit card can affect your personal credit rating.

How do I qualify for a credit card for sole proprietorship?

Qualifying for a credit card as a sole proprietor involves several steps and considerations. Although some issuers may accept your Social Security Number (SSN), it is wise to ensure that your business is legally registered and that you have an Employer Identification Number (EIN). It's also crucial to maintain a good credit score since it will play a significant role in the approval process. Benefits of having a credit card for your sole proprietorship include separating personal and business expenses, building business credit, and potentially earning rewards or cash back on business purchases. However, it's important to consider the interest rates, fees, and terms associated with the card. Beware that if balances are not paid in full each months, you could have high interest rates, some cards might even have annual fees that could offset the benefits if not managed properly. Weighing these pros and cons will help you make an informed decision that aligns with your business needs and financial situation.

What are the benefits of a credit card for sole proprietorship?

A credit card for sole proprietorship can offer many benefits and simplify the management of your personal finances. Firstly, it allows you to separate personal and business expenses, which can help you with tax preparation and accounting overall. Secondly, credit card often offer monthly statements in which you can track and categorize your expenses. Additionally, credit cards often have rewards programs, with cash backs, travel points and discounts that can sum up to significantly savings over time.Benefits aside, remember to take into consideration interest rates and fees associated with credit cards.