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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
Self employed – 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 self employed?
Yes, there are credit cards for people who are self-employed. These cards frequently feature higher credit limits and rewards programs designed for typical business expenses, such as office supplies, travel, and dining, enhancing savings potential. Additionally, they offer tools for tracking and managing expenses, making bookkeeping more straightforward. A responsible use of these cards can help build a strong business credit history.
Is it better to use a credit card or debit card if you are self-employed?
If you're self-employed, using a credit card can be more advantageous as it helps build your credit history and may offer rewards and expense tracking tools. Debit cards, while useful for managing direct spending, don't provide the same credit-building benefits or potential rewards.
Is it good to have a credit card for self-employed?
Having a credit card can be highly beneficial if you are self-employed. It can provide higher credit limits, offering greater financial flexibility for managing business expenses. Many credit cards offer rewards programs that enable you to earn cash back, points, or miles on purchases, effectively lowering overall expenses. Moreover, credit cards frequently offer valuable advantages such as extended warranties, and fraud and purchase protection, which bolster your financial security.
How do I qualify for a credit card for self employed people?
To qualify for a credit card for self-employed people, you'll likely need to provide proof of income, which can include tax returns, bank statements, or profit and loss statements from your business. Lenders will also check your credit score, so maintaining a good to excellent score can enhance your chances of approval. Additionally, you may need to provide information about your business, such as its name, address, and type of work. Demonstrating a stable income and having a solid credit history are key factors in qualifying.
What are the benefits of a credit card for self employed?
Credit cards for people who are self-employed can offer many benefits, including higher credit limits, reward programs, simplified bookkeeping and expense tracking, protection for purchases, introductory period offers, and the possibility of building credit when you use your card responsibly, beside the usual perks you receive when you own a credit card.