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

Rebuilding credit – 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 people 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 rebuilding credit?

While there are many credits cards made for rebuilding credit, one of the most popular is known as a secured credit card. These cards usually require a cash deposit that serves as the collateral for your spending. Essentially, this deposit serves as your credit limit to ensure you don't spend more than you can afford. Over time, using secured credit cards to make regular, on-time monthly payments can help you rebuild your credit and improve your chances of being approved for loans and higher credit limits on unsecured credit cards.

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

Using a credit card can be more effective for rebuilding credit than a debit card. This is because credit card activity is reported to major credit bureaus, which allows you to build a positive credit history through responsible financial practices. By making timely payments and keeping your balances low, you can steadily improve your credit score over time.

Is it good to have a credit card for rebuilding credit?

Absolutely! Having a credit card – and using it responsibly – is a great way to help rebuild your credit score. Good credit behavior can be demonstrated by making your payments on time and keeping your balances well below your credit limit. Doing so can positively impact your credit scores and help you rebuild your credit.

How do I qualify for a credit card for rebuilding credit?

You typically need to meet a few basic criteria to qualify for a credit card for rebuilding credit. This criteria usually includes being 18+ years old, having a stable source of income, and providing valid identification. There are some credit card options, like secured credit cards, that require a refundable security deposit. These credit cards are typically designed to help people with poor or no credit history rebuild their credit score.

What are the benefits of a credit card for rebuilding credit?

If you need to rebuild your credit score, one of the best ways to do so is with a secured credit card. The primary benefit of a secured credit card is that their limit is usually equal to the deposit you've made on the card. Essentially, this makes it much easier to prevent overspending and make your payments on time. Other benefits of credit cards for rebuilding credit may include tools and resources that can help to monitor your credit progress.