Card
Visa®
Network
Visa®
Issuing
United States
Country
United States
User
Consumer
Category
Consumer
Card
Secured
Type
Secured
Credit
Fair/Bad/No
Recommended
Fair/Bad/No
Card
Use everywhere Visa credit cards are accepted.
Usage
Use everywhere Visa credit cards are accepted.
MAIN CARD FEATURE
No annual fees or interest.3
CARD DETAILS
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- 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.
- 1Money added to Credit Builder will be held in a secured deposit 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.
- *Based on a representative study conducted by Experian® in January 2024, members who made their fi rst 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.
- 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
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.
+ Pros
- Free credit building.
- No credit check to apply.
- No annual fees or interest.
- No minimum security deposit required.
PURCHASES
Intro
N/A APR
Ongoing
No interest APR
Penalty
See terms APR
Minimum Grace
See terms Period
Minimum Interest
See terms Charge
BALANCE TRANSFERS
Intro
N/A APR
Ongoing
N/A APR
Balance Transfer
See terms Fee
Penalty
See terms APR
Minimum Grace
See terms Period
CASH ADVANCE
Intro
N/A APR
Ongoing
N/A APR
Cash Advance
See terms Fee
Penalty
See terms APR
Minimum Grace
See terms Period
GENERAL FEES
Application Processing
See terms Fee
Annual
$0 Fee
Foreign Transaction
0% Fee
Late Payment
See terms Fee
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