Discover Chime credit card
Build your credit easily and securely with a card that has no annual fees, interest, or pre-defined limit, offering complete freedom to manage your finances. With it, you have absolute control over your spending, using only the amount you deposit, avoiding surprises or unexpected debts.
By: Total Finanças
No Interest or Hidden Fees
Chime Credit Builder charges no interest or monthly fees, offering peace of mind.
No Credit Check Required
No credit check is needed, making it accessible for building or rebuilding credit.
Reports to All Three Major Credit Bureaus
Payments are reported to Experian, Equifax, and TransUnion, helping improve your credit score.
Full Spending Control
Works like a prepaid card; limit based on deposit, preventing debt and maintaining financial control.
What is the Chime Credit Builder Visa® Credit Card?
The Chime Credit Builder is a secured credit card for building credit without traditional risks/costs. It acts like a debit card: spend only what you deposit. Key benefits include no interest, no hidden fees, and no rigid limits. They report payments to all three major credit bureaus, building positive history. No credit check is required, ideal for those with limited or poor credit. Its mobile app offers full spending control and credit-building progress tracking.
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Does the Chime Credit Builder have fees or interest?
No. The card has no annual fees, interest, or hidden charges. You only use the amount you deposit, ensuring complete control over your spending and avoiding surprises or unexpected debts.
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Can the Chime Credit Builder help improve my credit score?
Yes. On-time payments are reported to the three major credit bureaus, helping you build or improve your credit score consistently over time.
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What is the credit limit on the Chime Credit Builder?
Your credit limit is determined by the money you deposit into your Credit Builder Secured Account.
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Do I need a good credit history to apply?
No. No credit check is required, making it accessible to those with no credit or looking to rebuild.
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How do I add funds to my Chime Credit Builder?
Transfer money from your Chime Checking Account to your Credit Builder Secured Account via the Chime app.
How to Apply for the Chime Credit Builder?
To apply, you need a Chime Checking Account with at least a $200 direct deposit in the last 365 days. Apply via the Chime app: Go to "Credit Builder," click "Get Started," and follow prompts. Once approved, your card will be mailed. Transfer funds from your Chime Checking to your Credit Builder Secured Account to start using it for everyday purchases. No credit check or hidden fees, making it a safe option for building credit.