Looking for a simple way to build credit without unnecessary fees? The Chime Credit Builder makes it possible with a straightforward, secure process that helps you improve your financial future.
Unlike traditional credit cards, this one comes with no interest charges and flexible spending limits. It’s designed to help you grow your credit score responsibly, without the risk of debt or overspending.
About Chime
Chime is a financial technology company that’s revolutionizing the way people manage their money. Founded with the mission to offer low-cost, consumer-friendly banking solutions, Chime provides services like checking and savings accounts, early direct deposit, and fee-free overdraft protection.
Beyond the Credit Builder Card, Chime offers a Spending Account with no monthly fees, a high-yield savings account, and a SpotMe feature that covers small overdrafts without penalties. Their goal? To help you take control of your finances without unnecessary banking fees.
How does this card work?
The Chime Credit Builder operates as a secured credit card, but with a unique approach—no interest and no required security deposit. Instead, you move funds from your Chime Checking Account into a secured account and use that amount as your spending limit.
As a Visa card, it also comes with Visa benefits, including fraud protection, contactless payments, and worldwide acceptance, making it a secure and convenient option for everyday purchases.
Requirements to apply for this card
- Must have a Chime Checking Account
- At least 18 years old
- Must have a valid Social Security Number (SSN)
- A U.S. resident
Fees for this card
- $0 annual fee
- $0 interest charges
Step-by-step guide to apply
- Open a Chime Checking Account if you don’t have one already.
- Set up direct deposit to qualify for Credit Builder.
- Apply for the Chime Credit Builder through the Chime mobile app.
- Transfer funds from your Chime account to set your spending limit.
- Start using the card to build credit with everyday purchases!
Get approved today!
With no interest, no fees, and no credit check, the Chime Credit Builder is the easiest way to start improving your credit score. Don’t wait—click below to learn more and take the first step toward better credit today!