Chime Credit Builder
A No-Fee, No-Interest Way to Build Credit Responsibly
By: Alicia
The Chime Credit Builder Visa® Card is a secure and flexible alternative to traditional credit cards, allowing users to build or improve their credit scores without hidden fees or interest charges. With automatic payments, full spending control, and no hard credit check, this card is perfect for individuals looking for a simple and risk-free way to establish credit.
thumb_up Why Choose Chime Credit Builder?
This card is designed to make building credit easy and stress-free.
- done No credit check required to apply.
- done No interest charges or late fees.
- done Reports to all three major credit bureaus.
- done No security deposit or minimum balance requirement.
thumb_down Full control over spending by transferring funds from a Chime Spending Account.
While Chime Credit Builder is an excellent option for those looking to establish or rebuild credit, it requires users to have a Chime Spending Account with qualifying direct deposits to be eligible.
- close Requires a Chime Spending Account and qualifying direct deposits.
- close No traditional credit line, meaning it may not be ideal for large purchases.
- close Does not offer cash back or rewards.
help How to Apply for Chime Credit Builder?
Applying for the Chime Credit Builder Card is simple and can be done directly through the Chime mobile app. Once approved, you can start building credit immediately.
- Sign up for a Chime Spending Account if you don’t already have one.
- Set up qualifying direct deposits into your account.
- Apply for the Chime Credit Builder Card through the Chime app.
- Transfer funds from your Spending Account to set your spending limit.
- Use the card for purchases, with payments automatically covered.
- Watch your credit score grow as on-time payments are reported to major bureaus.