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Chime Card™: Build Credit With More Flexibility
A secured credit card designed to help build credit with no annual fee, no interest and no credit check to apply.
No Annual Fee or Interest
Chime Card™ has no annual fee and does not charge interest, helping keep the cost structure simple for everyday use.
No Credit Check to Apply
Applicants do not need a traditional credit check to apply, which can make the card more accessible to people who are building or rebuilding credit.
Reports to All 3 Major Credit Bureaus
Chime reports monthly payment activity to TransUnion®, Experian® and Equifax®, which can help users establish credit history over time. Credit score improvement is not guaranteed.
Earn Cash Back With Qualifying Direct Deposit
Eligible members can earn cash back in a category of their choice when they meet Chime's qualifying direct deposit requirements.
A Simpler Way to Build Credit With Everyday Spending
Chime Card™ is a secured credit card that lets users spend money they have already added to their Chime account while building payment history. The available balance determines how much can be spent, helping users manage purchases without relying on a traditional revolving credit limit.
On-time payments can be reported to the three major credit bureaus, while the Safer Credit Building feature can use money in the secured account to automatically pay the monthly balance. The card can be used wherever Visa credit cards are accepted, subject to Chime's terms and eligibility requirements.
Is Chime Card™ a secured credit card?
Yes. The amount moved into the Chime Card secured account determines how much is available to spend.
Does Chime Card™ charge an annual fee?
No. Chime states that the card has no annual fee.
Does Chime charge interest on the card?
No. Chime Card™ does not charge interest.
Is a credit check required to apply?
No. Chime says no credit check is required to apply for Chime Card™.
Does Chime report activity to the credit bureaus?
Yes. Chime reports payment activity to TransUnion®, Experian® and Equifax®. However, credit score improvement is not guaranteed.
How to Get the Chime Card™
To get started, users can apply through Chime and provide the requested account information. Chime Card™ works together with the Chime account and secured deposit account, allowing users to fund their available balance and begin using the card once the account setup is complete.
Before signing up, it is important to review the current eligibility rules, direct deposit requirements for rewards and the terms that apply to Chime's secured credit-building features.
