Chime® Credit Card: Build Credit the Smarter Way
The Chime® Credit Builder Visa® Credit Card is a game-changer for those who want to build or rebuild their credit without fees, interest, or the usual hassle. Backed by Chime’s trusted mobile banking platform, this card offers a safe and flexible path toward a healthier credit score.
By: Zienic
No Credit Check
Get approved without a hard credit inquiry — perfect for beginners or those rebuilding their score.
No Fees or Interest
Say goodbye to annual fees, late fees, and interest charges.
Credit Building Made Easy
Every on-time payment gets reported to the major bureaus, helping you build a positive credit history.
Flexible Deposits = Your Limit
You set your own limit by adding money from your Chime checking account — full control, zero surprises.
A Simple, Fee-Free Credit Builder That Works
The Chime® Credit Builder Visa® Credit Card flips the script on traditional credit cards. There’s no credit check to apply, no minimum security deposit, and no interest to worry about. Instead, it’s designed as a flexible tool to help you establish or improve your credit score responsibly. You control your spending limit by moving funds from your Chime checking account into your Credit Builder account. When you use your card, you’re not borrowing against a traditional line of credit — you’re using your own money to build credit, while Chime reports your on-time payments to the major credit bureaus. The result? You get all the benefits of a credit card — like the ability to build your credit score — with none of the traditional traps like high interest, hidden fees, or surprise bills. Plus, it’s all managed via the user-friendly Chime app, making it easy to monitor your balance, schedule payments, and track your credit-building progress in real time. For those who want a modern solution to a better financial future, the Chime Credit Builder is a smart move.
-
Is there a credit check to apply for the Chime Credit Builder Card?
No, Chime does not perform a credit check when you apply, making it accessible even for those with no or low credit history.
-
Do I need to make a security deposit?
Not in the traditional sense. You move money from your Chime checking into your Credit Builder account, and that becomes your spending limit.
-
Will this card help improve my credit score?
Yes! Chime reports on-time payments to all three major credit bureaus, which can help improve your credit over time.
-
Can I use this card anywhere?
Absolutely. The Chime Credit Builder Visa is accepted anywhere Visa credit cards are accepted — online and in-store.
-
Are there any fees or interest rates?
No. There are no annual fees, late fees, or interest charges on the Chime Credit Builder card.
How to Apply for the Chime® Credit Builder Card
Getting started with the Chime® Credit Builder Visa® Credit Card is refreshingly straightforward. First, you’ll need to open a Chime checking account — the card is only available to Chime account holders. Luckily, that process is 100% online and takes just a few minutes through the Chime website or mobile app. There’s no credit check required and no minimum deposit to open the account. Once your checking account is active and you’ve received qualifying direct deposits totaling $200 or more in a month, you’ll become eligible to apply for the Credit Builder card. From there, simply request the card through the Chime app. Approval is typically instant, and you can start using your digital card right away while you wait for the physical one to arrive. After activation, transfer money from your Chime checking into your Credit Builder account. That amount becomes your spending limit — no debt, no interest. Use the card wherever Visa is accepted, and pay off balances through the app. Chime reports your activity to the credit bureaus, helping you boost your credit score with each on-time payment. It’s that easy — no hidden steps, no gotchas, just a cleaner, simpler way to grow your credit.