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

Travelers – 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 travelers 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 travel?

Yes! There are many credit cards used for travel. Travel credit cards are helpful for people looking for travel-related benefits, such as airline miles, hotel points, travel insurance, and lounge access. In fact, some credit cards even allow travelers to redeem miles or points for flights, hotel stays, and car rentals.

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

Choosing a credit card or debit card for travel depends on what you're looking for. While credit cards provide point rewards, consumer protection, travel benefits, and the ability to build credit, debit cards are useful for budgeting and help limit the risk of debt since you use your funds from your Checking Account. The best choice depends on what you're looking for while traveling.

Is it good to have a credit card for travel?

Yes, having a credit card for travel can help you get the most out of your next trip. You can earn travel points or miles rewards, avoid foreign transaction fees with some cards, or relax in an exclusive airport lounge before your flight. You can also build credit during your travels by using your credit card to pay for your food, transportation, and other travel needs.

How do I qualify for a credit card for travel?

Once you apply for a credit card, the issuer will usually take a look at your credit score (each issuer will likely have different credit score requirements), monthly income, credit history, debt-to-income ratio, and other factors. They will then use this information to determine whether or not you qualify and your maximum credit limit.

What are the benefits of a credit card for travel?

The benefits of credit cards for travel help frequent travelers explore the world with more convenience. The majority of these credit cards earn points and miles that can be redeemed for hotel stays or flights. Additionally, some may offer cashback on your purchases, no foreign transaction fees, travel insurance, access to airport lounges, and some even have concierge services to help you plan your trip.