Build credit with confidence: Discover the Chime® Credit Card
The Chime® Credit Builder Visa® Credit Card is a powerful tool for anyone looking to build or improve their credit score—without the high fees or interest rates that usually come with traditional credit cards. With no annual fees, no credit check, and flexible deposits, this card puts control back in your hands.
By: Zienic
No Credit Check Required
Get started without the stress—no credit history or hard inquiry needed to apply.
Zero Fees and No Interest
Enjoy peace of mind with no annual fees, no interest charges, and no hidden costs.
Build Credit with On-Time Payments
Your on-time payments are reported to all three major credit bureaus to help you build a strong credit history.
Flexible, Deposit-Based Limit
You control your spending by transferring funds to set your own credit limit.
Chime® Credit Builder: The Card That Helps You Build Credit, Your Way
The Chime® Credit Builder Visa® Credit Card is reshaping how people build credit. Designed for those with little to no credit history, this card removes the usual barriers like hard credit checks and high fees. Unlike traditional cards, Chime’s card uses a refundable security deposit to set your spending limit. This helps you avoid debt while still enjoying the perks of responsible credit use. Each on-time payment is reported to Experian, Equifax, and TransUnion—helping you build a solid credit profile. What makes it stand out is its zero-fee policy: no annual fees, no interest charges, and no required minimum deposit. It works seamlessly with your Chime Spending Account, making fund transfers and balance management easy through the Chime app. For young adults, students, or anyone starting fresh, this card offers a friendly, flexible, and modern path to credit confidence.
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Is the Chime Credit Builder a secured credit card?
Yes, it works similarly to a secured card, but without many of the traditional downsides like interest or required minimum deposits.
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Does the Chime card help improve my credit score?
Yes. Chime reports your on-time payments to all three major credit bureaus, helping you build or improve your credit history.
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Is there a credit check to apply?
No. Chime does not perform a credit check when you apply for the Credit Builder card.
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Are there any fees with the Chime Credit Builder card?
There are no annual fees, no interest charges, and no late fees—Chime keeps everything transparent and fee-free.
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Can I use the Chime card anywhere?
Yes, it's a Visa credit card, so you can use it wherever Visa is accepted—online or in-store.
How to Apply for the Chime® Credit Builder Card
Applying for the Chime® Credit Builder Visa® Credit Card is easy and hassle-free. Start by opening a Chime Spending Account, which takes just minutes online—no credit check required. Once your account is active, set up a qualifying direct deposit of at least $200. This unlocks eligibility for the Credit Builder card. After your deposit arrives, you’ll receive an invitation to apply via the Chime app. It’s simple, fast, and paper-free. Once approved, you fund your Credit Builder account by transferring money from your Spending Account. That amount becomes your credit limit—keeping your spending under control while allowing you to build credit. Manage everything through the Chime app: check your balance, make payments, and track your progress. The card is accepted everywhere Visa is, and with features like payment reminders and automation, staying on top of your finances has never been easier.