Card
Network

Visa®
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Fair/Bad/No
Card
Usage

Use Anywhere
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card

CARD DETAILS

  • Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest
  • No credit check to apply
  • No minimum security deposit required1
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Affiliate - Credit Builder Brief
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
+ Pros
  • Free credit building.
  • No credit check to apply.
  • No annual fees or interest.
- Cons
  • Direct deposit required to apply.

PURCHASES

Intro
APR

N/A
Ongoing
APR

N/A
Penalty
APR

See terms
Minimum Grace
Period

See terms
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

N/A
Cash Advance
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

See terms
Late Payment
Fee

See terms
Card Overall Rating
APPLY
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