The Chime Credit Builder Card is one of the most popular secured credit cards in the U.S. It’s designed to help people build or rebuild credit history without high fees, credit checks, or complicated requirements.
If you’ve been struggling to qualify for a traditional credit card or want to start your financial journey with a safe option, Chime makes the process simple and accessible.
Why Choose the Chime Credit Builder Card?
- ✅ No annual fee
- ✅ No credit check required
- ✅ No interest charges
- ✅ Zero Liability Protection (Visa)
- ✅ Reports to all 3 major credit bureaus
This card is backed by Visa, which means it’s accepted worldwide—whether you’re shopping locally, paying bills online, or traveling abroad.
How Does the Chime Credit Builder Work?
Unlike traditional credit cards, the Chime Card is a secured credit card. That means you need to provide a refundable security deposit, which becomes your credit limit.
- Deposit $200 → You’ll get a $200 credit line
- Deposit $1,000 → You’ll get a $1,000 credit line
There’s no fixed amount—Chime allows deposits up to $10,000, depending on your budget.
👉 Good to know:
- Your deposit remains safe as long as you pay on time.
- Late or missed payments may cause Chime to use your deposit to cover what you owe.
- On-time payments help build your credit score, as Chime reports to Experian, TransUnion, and Equifax.
Over time, responsible usage can open doors to better credit cards, loans, mortgages, and even rental approvals.
Requirements to Apply
Applying for the Chime Credit Builder is easier than most banks. Here’s what you need:
- Be a Chime customer (you need an active Chime account).
- Have a qualifying direct deposit of at least $200 into your account.
- Be at least 18 years old and provide:
- Full name and email
- Date of birth
- Valid mobile number
- Full home address (ZIP code, city, state)
- Employment status and income details (may be required)
No credit check is performed, so even people with no credit history or poor credit can qualify.
* You will be directed to an external website