Secured Chime Credit Builder Visa® Credit Card Review

The Secured Chime Credit Builder Visa® Credit Card is a no annual fee secured credit card that helps people build and improve their credit.¹ No credit check is required to apply and there is no minimum security deposit.² Eligibilty requirements apply.³

Our Rating


Welcome Offer


Annual Fee


0% Intro on Purchases

Reward Rate


0% Intro on Balance Transfers

Editorial Review


Will the Secured Chime Credit Card improve my credit?

The Secured Chime Credit Builder Visa® Credit Card reports payments to all three credit bureaus. As such, on-time payments can improve your credit over time.

Is the Secured Chime credit card a good credit card?

It is an excellent secured credit card designed to help individuals with poor credit rebuild their credit score. For those with good credit already, they would be better served with a rewards credit card.

Where can I use the Secured Chime credit card?

Anywhere that accepts Visa, including gas stations, restaurants, online or over the phone.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.

You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

1 On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

2Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

3To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Features & Benefits

SecurityZero Liability
Contactless Payments
BenefitsFree credit score access
Travel PerksNone


Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR0% (V) APR

What Credit Score Is Required to Get the Secured Chime Credit Builder Visa® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 508

Average Approved Credit Score: 508

App StatusDateCredit ScoreBureauCredit Limit
Not Provided

Pros & Cons

  • No annual fee
  • No foreign transaction fee
  • No interest
  • No credit check required to apply
  • Reports to all three major credit bureaus
  • No welcome bonus
  • No rewards

What Are the Best Alternatives?

Capital One Platinum Secured Credit Card
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Citi® Secured Mastercard®
Citi® Secured Mastercard®



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