The Secured Chime Credit Builder Visa Credit Card is a guiding light for people seeking financial independence. Big security deposits, annual fees, and credit checks are a thing of the past. This card is about more than just making purchases, it’s about becoming a new you. Here’s your opportunity to start again and fix your credit.

Envision a society where you can achieve your goals regardless of your credit score. All it takes to get there is the Chime Credit Builder Visa Credit Card. Encouraging and supporting you when you need it most, it’s like having a reliable friend at your side the whole way.



Chime Credit Builder Visa Credit Card

The Chime Credit Builder puts you in charge. Your credit score will skyrocket if you pay off your entire bill each month. In addition, the “Safer Credit Building” service allows you to establish automatic payments so that you are never late. Convenience encased in tranquility.

Thus, what are you waiting for? If you want a better financial future, you have to start now. Take a step toward greater independence and opportunity by applying for a Secured Chime Credit Builder Visa Credit Card right now. Now is the beginning of your credit recovery.

Benefits of Chime Credit Builder Visa Credit Card

Get a free head start on building up credit

The Chime Credit Builder Secured Visa is a no-cost way to start establishing credit. Nothing but easy sailing as you build your credit history—no yearly fees, interest, or large security deposits required. Everyone can apply, regardless of their credit history, because there is no credit check involved.


Apply without a credit check

The Chime Credit Builder Secured Visa is different from other credit cards because it doesn’t require a credit check. This creates opportunities for people who had credit problems in the past or who have limited credit to begin establishing a favorable credit history. Everyone gets an equal opportunity to shape their own financial future with Chime.

Apply without any minimum security deposit

The Chime Credit Builder Visa stands out among secured credit cards because of its no-minimum-deposit policy and flexible terms. This cutting-edge method allows users to tailor their initial investment according to their unique financial profile and personal preferences. Therefore, individuals of varying socioeconomic backgrounds will have equal access to it. With Chime, establishing credit is easier and more tailored to each individual than ever before, allowing everyone to take charge of their financial future.

Begin securely establishing credit

With the Chime Credit Builder Secured Visa, responsible and secure credit management is their first concern. The Chime app has an extra safeguard that lets users disable their card right away in case of fraud. Using one’s own money instead of a credit card also protects cardholders from the risks of accruing debt and late payments. This sets the stage for a highly controlled setting that fosters the expansion of credit.

Start building credit on everyday purchases

The Chime Credit Builder Secured Visa makes building credit a natural part of your daily life. You can use the card at any store that takes Visa, and using it often will help you build a solid credit history. A cardholder’s credit score can only go up if they are a responsible borrower and pay their bills on time.

Start building credit for a better future

Chime helps individuals build their credit scores over time by reporting their credit activities to all three main bureaus (Equifax, Experian and TransUnion). A member’s credit score might rise significantly if they use the card properly and pay the bills on time. To reach one’s financial objectives and take advantage of future credit opportunities, this is an essential first step.

Visa benefits

Users enjoy the ease and widespread acceptance of Visa credit cards with the Chime Credit Builder Secured Visa, which operates on the Visa network. Cardholders can enhance their overall cardholder experience by taking advantage of basic Visa benefits including zero liability protection against unauthorized charges and support for lost or stolen cards.

The Chime Credit Builder Visa Credit Card helps everyone build a good credit history with on-time payments and comes with no interest and no annual fees.

Are you eligible for a Chime Credit Builder Visa Credit Card?

To qualify for the Chime Credit Builder Secured Visa, you must hold a Chime Checking Account and qualify direct deposits of $200 or more. This straightforward eligibility requirement ensures that individuals can easily embark on their credit-building journey with Chime.


Pros and Cons of Chime Credit Builder Visa Credit Card


  • No annual fee or interest
  • No minimum security deposit required.
  • Reports payment history to credit bureaus.
  • No credit check to apply


  • Doesn’t earn rewards.
  • No option to upgrade to an unsecured card.

How to apply for a Chime Credit Builder Credit Card

  • Visit the Chime’s Official Website
  • Go to the card page
  • Press the button “Get started” to register your bank account
  • Provide the personal information needed to open a Chime Checking account
  • Also, you can download and go through this process with the Chime app for android and Apple .
  • After open your Chime checking account, set up a direct deposit:
  • Link an existing bank account to transfer funds to your Chime Checking Account.
  • Find your Chime routing and account numbers in the app under Settings.
  • Wait for your direct deposit:
  • Once you receive your first qualifying $200 or more direct deposit, you’re ready to apply for the Credit Builder.

Fees and Rates

Chime offers a fee-free experience with no fees to apply, no annual fees or interest charges, and no fees for card replacement. However, there is an out-of-network ATM fee if customers use their card at an ATM outside of Chime’s fee-free network, which comprises over 60,000 ATMs.

Customer Service

For inquiries or assistance, you can reach Chime at 844-244-6363 or via email at [email protected]. The Chime team will help you with any questions or concerns you may have.