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Discover the Chime® Credit Card
The Chime® Credit Builder Visa® Credit Card is a game-changing financial tool for anyone looking to establish or rebuild their credit score safely. By eliminating the high costs of traditional cards, it puts total control back in your hands.
No Credit Check Required
Get started without the stress—no credit history or hard inquiry needed to apply.
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 completely reshaping the way people approach building credit. Perfectly designed for individuals with little to no credit history, this card dismantles the traditional barriers that keep people out of the financial system—like hard credit checks, high minimum deposits, and steep fees. Unlike standard credit cards that can easily trap you in a cycle of debt, Chime’s innovative approach uses money you move into a secured account to dictate your spending limit. This means you can enjoy the everyday convenience of a Visa card while ensuring you never spend more than you actually have.
Every time you use the card for daily purchases and make on-time payments, Chime consistently reports your positive activity to all three major credit bureaus—Experian, Equifax, and TransUnion. Over time, this helps you establish a rock-solid credit profile. What truly makes this card a standout is its absolute zero-fee policy: you will never face annual fees, maintenance costs, interest charges, or minimum security deposits. Furthermore, it integrates flawlessly with your Chime Checking Account. You can even automate your payments, transfer funds instantly, and manage your entire financial life right from the highly-rated Chime mobile app. For students, young adults, or anyone looking for a fresh start, this card provides a stress-free, modern, and highly flexible path to true credit confidence.
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.
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.
Is there a credit check to apply?
No. Chime does not perform a credit check when you apply for the Credit Builder card.
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.
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
Securing your Chime® Credit Builder Visa® Credit Card is an incredibly straightforward, entirely digital process designed to eliminate the stress of traditional applications. Your journey begins by opening a free Chime Checking Account, which takes just a few minutes online and requires absolutely no credit check. Once your account is active, simply set up a qualifying direct deposit of $200 or more—such as routing a portion of your paycheck. As soon as that deposit lands, Chime automatically unlocks your eligibility and sends you an exclusive invitation to apply directly through their highly-rated mobile app.
The application itself is instant, seamless, and completely paper-free. Upon approval, you activate your card by moving funds from your Checking Account into your new Credit Builder account. Whatever amount you transfer instantly becomes your available credit limit, ensuring you remain entirely in control and never spend money you don't actually have. From there, you can manage your entire financial life from the palm of your hand. The card is accepted globally wherever Visa is recognized. Plus, with smart in-app tools like the "Safer Credit Building" feature to automate your monthly payments and real-time transaction alerts, staying on top of your finances and watching your credit profile grow has never been more effortless.
