Chime Credit Builder
The Chime Credit Builder Visa® Card.
By: Us Finance More
No Credit Check or Security Deposit
Start building credit with no hard credit check, no minimum security deposit, and no traditional credit limit.
Reports to All Major Credit Bureaus
Your on-time payments are reported to Experian, Equifax, and TransUnion to help improve your credit score.
No Interest or Annual Fees
Unlike traditional credit cards, Chime Credit Builder has no interest charges, annual fees, or late payment penalties.
Spend Responsibly with Your Own Money
Your available credit is based on the funds you transfer from your Chime Spending Account, helping you manage spending without debt.
A Smarter Way to Build Credit
The Chime Credit Builder Visa® Card provides a simple, low-risk way to establish or improve your credit. Unlike secured credit cards, it requires no security deposit, has no annual fees, and does not charge interest. Your spending power is based on the money you move into the account, ensuring responsible use while helping you build a strong credit profile.
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Do I need a credit check to apply?
No, there is no hard credit check required to get the Chime Credit Builder Card.
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Does this card charge interest?
No, there are no interest charges because you use your own money to fund your spending limit.
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How does this card help build credit?
It reports your on-time payments to Experian, Equifax, and TransUnion, helping you build a positive credit history.
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Are there any fees for using this card?
No, Chime Credit Builder has no annual fees, no foreign transaction fees, and no late fees.
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What do I need to qualify for this card?
You need a Chime Spending Account and qualifying direct deposits to be eligible for the Chime Credit Builder Card.
How Chime Credit Builder Works
This card is linked to your Chime Spending Account, allowing you to control your available balance. By using the card and paying it off automatically with your Chime account, you demonstrate responsible credit use. Your payment history is reported to all three major credit bureaus, helping you gradually improve your credit score without worrying about interest or fees.