Chime Credit Builder Secured Visa®: Build Credit with Confidence, Without Fees!

The Chime Credit Builder Secured Visa® is a revolutionary credit card designed to help you build or improve your credit score without the hassle of traditional credit cards. 

With no annual fees, no interest rates, and no credit check to apply, this card puts you in full control of your financial future. It’s an innovative tool tailored for individuals looking to establish a positive credit history while managing their spending responsibly.

What sets the Chime Credit Builder apart is its unique approach: you decide your spending limit by adding funds to your secured account, ensuring you never spend more than you can afford. It’s more than just a card—it’s a smart financial partner that helps you build credit, manage your money, and achieve your financial goals with ease.

Credit Card

Chime Credit Builder Secured Visa

Credit-Building No Credit Check

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Benefits of the Chime Credit Builder Secured Visa®

No Credit Check for Approval: Apply with confidence, even if you have no credit or poor credit history. The Chime Credit Builder doesn’t require a credit check, making it accessible to everyone.

No Fees: Forget about annual fees, interest rates, or foreign transaction fees. This card is completely fee-free, ensuring you save money while building credit.

Reports to All Major Credit Bureaus: Build your credit score effectively with on-time payments. Chime reports your activity to Experian, Equifax, and TransUnion, ensuring your credit progress is recognized.

No Interest Charges: Since the card operates as a secured card with your own funds, there’s no interest to worry about. Spend only what you load, keeping things simple and transparent.

Set Your Own Spending Limit: Choose how much you deposit into your secured account, effectively setting your own credit limit. This approach provides greater control over your spending, helping you avoid accumulating debt and interest charges.

No Minimum Security Deposit: Chime stands out by eliminating a mandatory minimum deposit. You can secure your card with an amount that suits your current finances, granting you added flexibility and making it easier to get started on your credit-building journey.

On-Time Payment Tracker: Chime’s automatic on-time payment feature ensures that your payments are always made on schedule, boosting your credit score over time.

Real-Time Balance Alerts: Stay on top of your finances with real-time notifications for transactions and balances, helping you manage your spending effortlessly.

Seamless Integration with Chime Spending Account: The card works seamlessly with your Chime Spending Account, making it easy to transfer funds, track transactions, and manage your finances in one place.

No Overdraft Risk: With no ability to spend beyond your loaded funds, there’s zero risk of overdraft fees or overspending, keeping your finances safe and secure.

Mobile App Access: Enjoy complete control over your card through the Chime app. Check your balance, track spending, and make adjustments on the go.

Fraud Protection: Chime’s Visa Zero Liability Policy ensures you’re protected from unauthorized transactions, giving you peace of mind in case your card is lost or stolen.

Who Can Apply?

Eligibility criteria for the Chime Credit Builder Secured Visa®:

1. Age: Must be at least 18 years old.
2. Residency: Must be a U.S. resident with a valid Social Security Number.
3. Chime Spending Account: Requires an active Chime Spending Account with qualifying direct deposits of $200 or more in the past 12 months.
4. No Credit Check: Approval does not depend on your credit history.

How to Apply

1. Sign Up for a Chime Spending Account: Ensure you have an active account with qualifying direct deposits.
2. Activate the Credit Builder Program: Use the Chime app to enroll in the Credit Builder program.
3. Transfer Funds: Add money to your Credit Builder secured account to set your spending limit.
4. Receive Your Card: Your Chime Credit Builder Secured Visa® will be mailed to you.

Frequently Asked Questions

Can I overspend on the card?

No, you can only spend the amount you load onto the card, eliminating the risk of overspending.

What happens if I miss a payment?

Chime’s automatic payment system helps ensure on-time payments. If a payment is missed, it could impact your credit score.

Can I increase my spending limit?

Yes, your spending limit is tied to the amount you load into your secured account.

Can I upgrade to a traditional credit card?

Chime does not currently offer a transition to an unsecured credit card.

Credit Card

Chime Credit Builder Secured Visa

Credit-Building No Credit Check

APPLY NOW You will be redirected