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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
Online shoppers – credit card with no credit check to apply
- No annual fee or interest¹
- No credit check to apply
- No minimum security deposit required²
Learn how we collect and use your information by visiting our Privacy Notice
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 online shopping?
Yes, there are credit cards specifically designed for online shopping, offering rewards such as cashback or points on online purchases. These cards often provide additional benefits like purchase protection and extended warranties for items bought online. To maximize your benefits, compare different cards and choose one that aligns with your spending habits and offers the best rewards for online shopping.
Is it good to have a credit card for online shopping?
Having a credit card for online shopping can be very beneficial as many credit cards offer rewards, cashback, or points for purchases made online, helping you save money. Additionally, credit cards often provide better fraud protection compared to debit cards, giving you peace of mind when shopping on the internet. They also make it easier to track and manage your spending through detailed statements and spending alerts. Responsible use of a credit card for online shopping can also help build your credit score over time.
Is it better to use a credit card or debit card for online shopping?
Using a credit card for online shopping is generally better because it offers greater fraud protection and the ability to dispute charges. Credit cards also often provide rewards or cash back on purchases, adding extra value. Debit cards, while convenient, directly withdraw funds from your bank account and may not offer the same level of security or benefits. Always ensure your credit card payments are made on time to avoid interest charges.
How do I qualify for a credit card for online shopping?
When looking to qualify for credit cards to shop online, the first thing you have to do is make sure you have a stable income and a healthy credit score. Try to find cards that offer cash back or points when you use them for online purchases. Keep in mind the possible fees and interest rates, as well as security features against fraud, purchase protection, and warranties. To have a better idea of your benefits and liabilities, carefully read the terms and conditions of each offer.
What are the benefits of a credit card for online shopping?
The benefits of using a credit card made for online shopping include more security measures against fraud, the option to dispute unauthorized charges, rewards, and extended warranties.