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

Students – 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 students 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 students?

Credit cards made for students give them the opportunity to build credit while also taking advantage of other benefits. For instance, student credit cards usually have lower credit limits, which helps students avoid debt accumulation that may affect their credit. Additionally, many student credit cards have no annual fees, making them a great and affordable option for students with a tight budget.

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

This will depend on the student. For some students, using a credit card can be better because it can help them build their credit history. However, it takes quite a bit of responsibility to properly maintain a credit card. Students who are not used to making regular payments may feel more secure using a debit card.

Is it good to have a credit card for students?

Yes, having a credit card can be an invaluable way for students to start building a credit history before beginning their careers. This can help them be approved for important applications for car loans, apartment rentals, and mortgages in the future. Many student credit cards offer other rewards and benefits, like cashback or discounts, in addition to better fraud protection than debit cards. However, students need to use credit cards wisely, paying off their balances in full each month to avoid debt accumulation and high-interest charges.

How do I qualify for a credit card for students?

To qualify for a student credit card, you need to be 18+ years old and enrolled in a college or university, with proof of your identification and student status. Sometimes, you may have to demostrate a stable source of income, such as a part-time job or financial aid. For students with limited or no credit history, some credit card companies may require a cosigner.

What are the benefits of a credit card for students?

The main benefit of credit cards designed for students is that they are made to help establish a credit history. They usually have low limits that help students dip their toes into the waters of credit building rather than diving in head first. In addition to this, some student credit cards may offer other rewards, like cashback, discounts, or points.