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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
Paying rent – 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 rent?
Yes! There are credit cards designed to facilitate rent payments, allowing you to earn rewards or cashback on your monthly rent. Some credit card companies partner with rent payment platforms to make the process easier and more beneficial. These cards can also help build your credit history if used responsibly. Be sure to choose a card with low fees and favorable terms to maximize your benefits.
Is it better to use a credit card or debit card for rent?
Using a credit card for rent can be better if you want to earn rewards, build credit, or take advantage of an introductory 0% APR period. Credit cards often offer purchase protection and other perks that debit cards do not. However, be mindful of potential fees associated with using a credit card for rent payments. Debit cards avoid interest charges and help you stick to a budget, but they typically do not offer rewards or credit-building opportunities.
Is it good to have a credit card for Rent?
Yes, having a credit card for rent can be advantageous as it allows you to manage cash flow more effectively by spreading out payments over time. Some credit cards offer rewards or cashback on rent payments, which can provide additional financial benefits. However, it's important to be cautious of any fees associated with using a credit card for rent and to ensure that you can pay off the balance in full each month to avoid high interest charges. Using a credit card responsibly can also help build your credit history and improve your credit score.
How do I qualify for a credit card for rent?
If you want to qualify for a credit card for rent, you typically need a fair-to-good credit score, generally around 580 or higher. Lenders will also require proof of stable income, such as pay stubs, tax returns, or bank statements, to ensure you can manage the monthly payments. Additionally, you must provide personal information, including your Social Security number and contact details, during the application process. Maintaining a good credit history and demonstrating consistent income can significantly improve your chances of approval.
What are the benefits of a credit card for rent?
Using a credit card designed to help with rent can be advantageous by earning rewards points or cashback on your monthly payments. Consistently paying rent with a credit card can also contribute to building your credit history. To maximize these benefits, choose a card with low fees and specific rewards for rent payments.