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% on Purchases

Reward Rate

0% on Balance Transfers

Welcome Offer

Features & Benefits

Contactless Payments
Travel Perks


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


  • No annual fee or interest
  • No credit check required to apply
  • No open or minimum security deposit²
  • No foreign transaction fees
  • Reports to all three major credit bureaus


  • No cash back or travel rewards

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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.

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 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 loads or 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