Your Top Match
🏆 Chime Credit Builder
Build credit—with zero interest, fees, or hard checks.
Why this is your top card:
No credit check
$0 annual fee
No minimum deposit
Builds credit
Card Details
The Chime Credit Builder Secured Visa® Card (now branded as Chime Card™) offers a simple, safe path to credit-building: move money from your Chime Checking Account into a secured deposit account, and that amount becomes your spending limit—there’s no traditional loan or borrowing involved.
It reports on-time payments to all three major credit bureaus, helping members build credit over time, with an average score increase of 30 points. You’ll never pay interest or annual fees, and there’s no hard credit pull to apply. Plus, with Chime’s Safer Credit Building feature, your balance can be repaid automatically using the secured funds—keeping your payments on track.
The card now offers up to 1.5% cashback on eligible rotating categories for Chime+ members with qualifying direct deposit, making it one of the few secured cards that combines credit-building with rewards.
Network
Visa
Deposit
Flexible
Annual Fee
$0
Pros
No credit check makes it accessible for those with little or no credit history
No annual or interest fees, and no costs to apply—purely a credit-building tool
Customizable spending limit—you choose how much to fund, avoiding debt risk
Reports to all three credit bureaus, helping build a robust credit profile
Automatic payments via Safer Credit Building ensure on-time payments, strengthening your credit safely
SpotMe® coverage up to $200 fee-free for eligible users
Up to 1.5% cashback on rotating categories for Chime+ members with qualifying direct deposit
Cons
Requires Chime Checking Account. You must have an active Chime checking account to qualify
No preset credit limit reported. This prevents high-utilization penalties but also means you won’t benefit from demonstrating low utilization to boost your score
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