Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Go metal with
your credit 🤘

Sign up for the secured Chime Credit Builder Visa® Credit Card¹. Complete the metal card challenge.
Earn a shiny new metal card. Boom.

See how it works
Edge-to-edge metal
Metallic emerald green finish
Raised varnish branding

Become a Chime member and sign up for Credit Builder¹
Move money to your Credit Builder secured account
Use your Credit Builder card for 40 purchases in 60 days

FAQs

How do I apply for a Chime Credit Builder credit card?

Join the waitlist to get early access to Credit Builder! The waitlist is currently only available to Chime members. New to Chime? Join here.

Each week, we will invite members from the waitlist to Credit Builder. Invited members can complete their applications directly from the home screen of the Chime mobile app–make sure you have the most updated version of our app! You can find your Chime Credit Builder invitation in the Home and Settings screens of your app.

Is Credit Builder a secured credit card?

Yes, Credit Builder is a secured credit card. The money you move to the Credit Builder secured account is how much you can spend with the card. This amount is often referred to by other secured credit cards as the security deposit. Like other secured credit cards, Credit Builder also reports to the major credit bureaus, to help you build credit history over time. 

However, for most secured credit cards, security deposits are unavailable to you, the consumer, until you close the account. With Credit Builder, you can use your deposit to pay for monthly charges. Plus, Credit Builder charges no fees and no interest, and no minimum security deposit required!

What is the Credit Builder secured account?

It is an account that holds the money youve moved to Credit Builder. This money determines the amount you can spend with your Credit Builder card (a.k.a credit limit). You get to set your own limit by moving any amount to and from your Credit Builder secured account whenever you want.

When you make a purchase, a hold is placed on that money you just spent in your secured account. You can use this money later, to pay your monthly balance. Your Available to Spend will also go down. This way, you know how much more you can spend with your Credit Builder card.

What can I use my Credit Builder card for?

You can use the Credit Builder card anywhere Visa® credit cards are accepted.

Where can I find more information on Credit Builder policies?

For the Credit Builder Visa Credit Card Agreement, please visit: https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/

For the Credit Builder Application Disclosure and Secured Account Agreement, please visit: https://www.chime.com/chime-credit-builder-application-disclosure-and-secured-account-agreement

Do I need to have a Chime Spending Account to use Credit Builder?

Yes. We designed Credit Builder to work with the Chime Spending Account so that you can move money instantlyacross your Chime accounts!

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

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