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Chime Credit Builder Visa® Secured Credit Card

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The Chime Credit Builder Visa Secured Card has very little to unpack, and offers a consumer-friendly route to building credit and saving money along the way. There’s no credit check to apply and you can do it in under 2 minutes on the Chime app. There’s no annual fee, monthly fee, hidden fees, or minimum security deposit required.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0

Chime Credit Builder Visa® Secured Credit Card

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Chime Credit Builder Visa® Secured Credit Card


  • Chime app required to apply for the card and for use
  • No minimum security deposit required to open an account
  • Applying for the card will not impact your credit score
  • No annual fee or monthly fee
  • No overdraft fees
  • No interest

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Speak to Customer Service


The Chime Credit Builder Visa Secured card comes with no annual fee and no foreign transaction fee, has no credit check required to apply, and requires no minimum security deposit to open your account.

The card is funded by your Chime Spending Account; you’ll move money from your Spending Account to your Credit Builder account. The amount in your Credit Builder account is how much you can spend with the card.

Although this card does report to the major credit bureaus monthly, helping you build credit when you pay on time, they don’t report credit utilization. So you can use this card without contributing to your overall revolving credit utilization. You can learn more about that in our post: How Does the Credit Utilization Percentage Impact My Credit Score?

You’ll need the Chime app to apply for the card. Within the app settings you’ll see an option for the “Credit Builder Card.” Click that and then click on “Try Credit Builder” to apply.

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