Chime Credit Card
Chime Credit Builder offers no fees, no interest, no credit check, and simple credit-building.
By: UsNetDinheiro
No credit check + easy approval
Chime doesn’t run a hard credit check, making it accessible for thin or damaged credit.
No interest and no annual fee
You can’t carry a revolving balance, so there’s no APR, and Chime charges $0 annual fee.
Spend only what you set aside
Your “credit limit” equals your secured deposit, so overspending and debt are harder to fall into.
Credit-building features + possible rewards
Chime reports to all three bureaus, may automatically pay your balance, and can offer 1.5% cash back on rotating categories with qualifying direct deposit.
How the Chime Credit Card works (and who it’s best for)
Chime’s credit card is different from a traditional unsecured credit card. It’s a secured Visa built specifically for credit building. Instead of receiving a preset credit limit, you move money from your Chime Checking account into a secured deposit account. Whatever amount you move becomes your available spending power. That means you’re always spending your own money, which keeps things predictable and prevents debt from piling up. Because the card is secured this way, Chime doesn’t charge interest and doesn’t run a credit check for approval. You also won’t find an annual fee or late payment penalty in the usual sense, since you can enable automatic payments through Chime’s “Safer Credit Building” feature. The system uses the money in your secured account to pay off your monthly balance on time, helping establish positive payment history. This setup makes the Chime Credit Card especially useful for beginners, people rebuilding after past credit issues, or anyone who wants training wheels while forming better credit habits. Your activity can help your score over time because Chime reports to all three major bureaus, and it doesn’t report utilization in the same way many cards do—so using your full secured balance won’t automatically hurt you. In short: it’s a low-risk, low-cost path to building credit, with straightforward controls and a modern app experience.
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Is the Chime Credit Card a real credit card?
Yes, but it’s a secured credit card. You fund a secured account and spend up to that amount.
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Does Chime check my credit when I apply?
No. Chime doesn’t run a hard credit check to approve the card.
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What fees or interest does the card have?
It has no annual fee and no interest charges because you can’t carry a revolving balance.
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How does it help build credit?
Chime reports your on-time payments to all three major bureaus, and auto-pay can help you stay consistent.
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Does the Chime Credit Card earn rewards?
Chime may offer 1.5% cash back on rotating categories if you have a qualifying direct deposit.
How to request the Chime Credit Card
Applying for the Chime Credit Card is quick, but you do need a Chime account first. Start by opening a Chime Checking (sometimes called a Spending) account through the Chime app or website. The sign-up process is free and typically takes just a few minutes. After your account is active, you become eligible for the credit-building card. In many cases, Chime looks for a qualifying direct deposit into your Checking account (often at least $200 within a certain timeframe). Once you meet eligibility, you can request the card directly in the app. There’s no hard credit inquiry, so applying won’t ding your score. When you receive the card, you’ll set your spendable limit by moving funds into your secured deposit account. You can transfer any amount you’re comfortable with, and you can add more later. Then use the card anywhere Visa is accepted—online, in stores, and with mobile wallets like Apple Pay or Google Pay.