Credit Cards Secured Cards

Chime^® Credit Builder Secured Visa^® Credit Card Review [2025]: Build Credit With No Credit Check

The Chime Credit Builder can help you build your credit with reporting to the major credit bureaus. But there are few benefits, and you won't earn any rewards. Learn who this credit-building card is best for in this Chime Credit Builder review.

By Ben Walker, CEPF, CFEI®

Edited by Yahia Barakah, CEPF

Updated May 14, 2025

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Chime®

OUR VIEW

The Chime^® Credit Builder Secured Visa^® Credit Card¹ The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.  To apply for Credit Builder, you must have an active Chime® Checking Account. is a secured credit card that has a $0 annual fee, doesn't charge interest² Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. , and doesn't require a credit check to apply. This makes it an excellent option if you have a poor credit score or limited credit history³ Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary. and want to build your credit with a low-risk card. It's also more flexible with credit limits than other secured cards.

However, it's not the most rewarding card out there, and you have to open a Chime Checking account to get it.

We'll share details about the benefits and drawbacks of this card and who we'd recommend it for in this Chime Credit Builder review.

Pros

No credit check to apply

No minimum security deposit

No annual fee, unlike many secured cards

Cons

Doesn’t earn rewards

Requires a Chime Checking account

What is the Chime Credit Builder?

The Chime Credit Builder is a secured credit card. This type of credit card extends credit to you by securing it using the money you deposit. It doesn't require a credit check for approval and may help you build credit by reporting your payment activity to the three major credit bureaus.

Chime Credit Builder Card basics

Card type	Secured
Credit card issuer	Stride Bank
Credit card network	Visa
Annual fee	$0
Features	No credit check nor minimum security deposit required
Credit limit	No minimum security deposit⁴ <p>Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.</p> ; you choose the amount to add, and this becomes your credit limit
Recommended credit score	Bad, Poor
Foreign transaction fee	None

How does the Chime Credit Builder work?

Here's how the Chime Credit Builder works in four simple steps:

Apply for the card: To be eligible, you need to open a Chime® Checking Account. There is no credit check requirement for the Chime Credit Builder.
Transfer money to your Chime Credit Builder secured account: Your credit limit is determined by the security deposit you put into your secured account.
Use your card for everyday purchases: You can use the Chime Credit Builder Secured Visa Credit Card online and in-store everywhere Visa is accepted. You can also use it to pay bills, subscriptions, and other ongoing costs.
Pay your balance on time each month: You can pay manually or turn on the Safer Credit Building function to automatically pay your monthly balance in full. The three main personal credit bureaus should receive a payment history record from Chime®⁵ Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.  , which might reflect on your credit report.

The Chime app allows you to track your progress and monitor changes to your credit score. You can also adjust your payment preferences from the app.

Who should get the Chime Credit Builder Visa Credit Card?

The Chime Credit Builder Visa Credit Card makes sense if you don't qualify for better credit cards and need to build your credit. This is a no-frills credit card that provides almost no benefits and has no rewards program. But there's no credit check to apply, so having poor or bad credit isn't an obstacle to approval.

And the Chime Credit Builder doesn't charge interest and has no minimum security deposit. This means it's a low-risk card for building credit, especially because it reports your credit activity (other than credit utilization, which can be a good thing) to all three major credit bureaus.

Who this card isn't right for

This card doesn't make sense if you aren't interested in opening a Chime Checking Account. This is a requirement to apply for a Credit Builder account, which could present a hurdle for some potential cardholders.

Chime Credit Builder benefits and perks

Build credit: You can build your credit score with this card by using it on everyday purchases and making on-time payments. Your credit activity is reported to your credit reports with TransUnion, Equifax, and Experian.
Payment protections: You can opt to turn on the Safer Credit Building feature to automatically pay your monthly balance.
$0 annual fee: Avoid the annual cost with a $0 annual fee. Check out our list of the best no-annual-fee credit cards for more options.
No minimum security deposit: You typically have to put down a minimum amount of money as a deposit for a secured credit card, but the Chime Credit Builder doesn't have this requirement.
No interest charges: There's no interest rate to worry about on this card, but you likely still want to avoid late payments if you're trying to build your credit and want to keep your payment history intact.
You decide your credit limit: Your card's spending limit is attached to how much money you deposit into your Credit Builder secure account, so you could potentially have much more credit compared to other secured cards. This sets it apart from more traditional credit cards.
No foreign transaction fees: The Chime Credit Builder isn't necessarily a travel credit card because it doesn't have any rewards or travel-related benefits. But it has no foreign transaction fees, which could be handy if you're traveling abroad.

What we don't like about the Chime Credit Builder: drawbacks

No welcome bonus: There's no sign-up bonus available on the Chime Credit Builder. This isn't surprising for a secured credit card, but it could still make other cards more appealing if you qualify for a welcome offer.
No rewards: You don't earn any points, miles, or cash back with this card. This is a bit disappointing because you can earn rewards on other similar credit-building cards.
Need to open a checking account with Chime: You have to open a Chime® Checking Account to be able to apply for the Chime Credit Builder credit card. Most secured credit cards don't have this type of requirement.

How to get a Chime Credit Builder Credit Card

To get a Chime Credit Builder Credit Card, you need to:

Have a Chime Checking Account
Have your personal information ready, including your name, email, date of birth, phone number, address, and Social Security number (SSN)

Even though your SSN is required, Chime doesn't put a hard inquiry on your credit file.

Once you're ready to apply, you can do so online or in the Chime app. No minimum security deposit is required, but you need to transfer money from your Chime Spending Account to your Credit Builder secured account to use your card.

FAQs

Is the Chime Credit Builder Card an actual credit card?

Yes, the Chime Credit Builder Card is a Visa credit card issued by Stride Bank in partnership with Chime®, a financial technology company. The Chime Credit Builder Secured Visa doesn't require a credit check to apply and there's no minimum security deposit requirement. Even better, Chime reports your credit activity to all three of the major credit bureaus.

What is the credit limit for the Chime Credit Builder Card?

There's no pre-set credit limit, as it depends on how much money you move into your Credit Builder secured account. For example, putting $1,000 into your Credit Builder account would give you a $1,000 spending limit. And adding more money would give you a higher credit limit up to the total amount in your account.

How much does the Chime Credit Builder Card cost?

The Chime Credit Builder Card has a $0 annual fee, doesn't accrue interest, and has no minimum security deposit requirement. You also don't have to worry about your credit utilization with this card because there's no pre-set credit limit. You decide your spending limit with how much money you put into your linked Credit Builder account.

Cards to consider instead

If the Chime Credit Builder Visa Credit Card doesn't make sense for you, compare credit cards to find a better fit. Here are other beginner credit cards we recommend instead.

Capital One Quicksilver Secured Cash Rewards Credit Card

The Capital One Quicksilver Secured Cash Rewards Credit Card is a secured credit card with a $0 annual fee. What might make it more appealing than the Chime Credit Builder is that you can earn unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Learn more in our Capital One Quicksilver Secured Cash Rewards Credit Card review.

Petal^® 2 "Cash Back, No Fees" Visa^® Credit Card

The Petal^® 2 "Cash Back, No Fees" Visa^® Credit Card has a $0 annual fee, reports credit activity to all three credit bureaus, and provides unlimited 1% cash back on eligible purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back.

Check out our Petal Cash Back Visa Card review.

Bottom line

The Chime^® Credit Builder Secured Visa^® Credit Card is a no-frills option if you're looking to build your credit history without a credit check. With a $0 annual fee, no interest charges, and the ability to determine your credit limit, it offers a simple approach to building credit with responsible use.

However, the Chime Credit Builder offers no rewards on purchases and requires opening a Chime Checking Account, which may not be suitable for everyone. If you don't want to open a Chime account, you can find more options in our list of the best credit cards for bad credit. You can also explore the best secured credit cards.