Having less than perfect credit can make many things difficult and working to improve your credit can feel like an extremely daunting task. The Secured Chime Credit Builder Visa® Credit Card helps build your credit history with your own money so you don’t have to worry about going into debt.1 There is no credit check to apply, no annual fees or interest charges and no minimum security deposit.2 Eligibility requirements apply.3
Help Build Your Credit With Everyday Purchases and Regular On-time Payments1
The Secured Chime Credit Builder Visa® Credit Card can help make sure you always make your payments on time. You move money to your Credit Builder account before you make purchases so the amount you move determines how much you can spend. When you enable the Safer Credit Building Feature3, there is no possibility of late payments, Chime® then reports your regular on-time payments to all three of the major credit bureaus, helping to build your credit history.
Secured Chime Credit Builder Visa® Credit Card
300 – 687*
View All Card Details Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
Having less than perfect credit can make many things difficult and working to improve your credit can feel like an extremely daunting task. The Secured Chime Credit Builder Visa® Credit Card helps build your credit history with your own money so you don’t have to worry about going into debt. There is no credit check to apply, no annual fees or interest charges and no minimum security deposit. Eligibility requirements apply. Read our in-depth Critical Analysis for the full terms and to learn more.Card Details From Issuer
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
- No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit score by an average of 30 points, with regular, on-time payments.1
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens, CVS, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven locations, or any Allpoint or Visa Plus Alliance ATMs.
Take the next steps toward improving your credit:
1. Become a Chime member: Open a Chime checking account, set up qualifying payroll direct deposit of $200 or more to be eligible. This will unlock access to Credit Building which will show up as a widget in your app.
2. Move money to Credit Builder to get started: Move money from your Chime checking account to Credit Builder – that’ll determine how much you can spend with the card.
3. Use Credit Builder on everyday purchases: Whether it is gas or groceries, use Credit Builder on all your purchases to help build credit over time.
4. Pay with the money you moved: The money you moved to Credit Builder can automatically pay your monthly balance.
5. Watch your credit history grow: We’ll report your regular, on-time payments to the major credit bureaus.
The Chime Credit Builder Visa Credit Card can help you take control of your credit. Select ‘Apply Now‘ to start the straightforward sign-up process today.
Another Credit Builder Option to Consider
Mission Lane Visa® Credit Card
300 – 669*
View All Card Details Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
Many credit builder products require a hefty security deposit, but the Mission Lane Visa® Credit Card will let you get started right away. See if you’ll get approved for a Mission Lane card instantly with no hard credit check and you can be on your way to improving your credit score and building up higher credit limits with no hidden fees.Card Details From Issuer
- See if you qualify instantly without harming your credit score
- Be automatically considered for a higher credit line in as few as 7 months
- Free, online credit score access for cardholders
- Instant decision on your application
- No interest on purchases when you pay in full and on time each month
- No security deposit required – get started today!
- All the coverage of Visa®
- Access your account anytime, anywhere with our mobile app
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. 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.
1Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
2To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). 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, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
3On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
