The best card
The Chime Credit Builder Card is a secure and flexible way to build your credit score without the hassle of traditional credit cards.
By: Fin Copilot
No Annual Fees
Enjoy the full benefits of using a credit card without worrying about annual fees or hidden charges. With this card, you won’t be surprised by extra costs, allowing you to manage your finances with confidence. Whether you use it regularly or occasionally, you’ll never be penalized for having the card in your wallet. It’s a smart choice for those who want to build or rebuild credit while keeping their spending predictable and under control—without sacrificing access to valuable features.
No Credit Check to Apply
You don’t need a credit history or undergo a hard credit check to apply. This makes the card accessible to individuals who are new to credit or have a limited or poor credit profile. Everyone deserves a fair opportunity to prove financial responsibility, and this card provides a welcoming path. With no risk to your current score, you can start fresh, build credit over time, and gain access to financial tools without the traditional barriers of approval.
No Interest Charges
Avoid accumulating debt with a card that doesn’t charge interest. Since you can only spend what you’ve deposited into your secured account, there’s no risk of overspending or facing high-interest payments. This structure helps you build healthy spending habits while keeping your finances under control. It’s ideal for those who want the convenience of a credit card without the worry of late fees, interest rates, or surprise charges. Just deposit, spend, and build credit safely and responsibly.
Automated Credit Building
With every on-time payment, your positive activity is automatically reported to the major credit bureaus—Experian, Equifax, and TransUnion. This means you can steadily build your credit score simply by using your card responsibly. There’s no need to manage complex tools or submit reports yourself. The automation works in your favor, turning everyday purchases into stepping stones toward better credit. Over time, your financial credibility improves, helping you qualify for better rates and more advanced financial products.
Why Choose the Chime Credit Builder Card?
The Chime Credit Builder Card is designed for those who want a straightforward and secure path to improving their credit score. Unlike traditional credit cards, it doesn’t require a minimum credit score or involve a lengthy application process. By linking the card to your Chime Spending Account, you can control your spending limit with your own deposits, ensuring financial security and accountability. This card is perfect for anyone, from first-time credit users to individuals rebuilding their financial profile. Additionally, it helps eliminate the risk of overspending with its pay-as-you-go model. By reporting on-time payments to all major credit bureaus, Chime ensures your efforts translate into tangible credit score improvements. Whether you're saving for a big purchase or simply managing your daily expenses, the Chime Credit Builder Card offers a reliable and flexible solution.
-
Does the Chime Credit Builder Card charge interest?
No, the card doesn’t charge interest since you’re using your own money to fund your spending limit.
-
Do I need a minimum credit score to apply?
No, there is no minimum credit score requirement, making it accessible to everyone.
-
How does the card help build my credit?
The card reports your on-time payments to all major credit bureaus, helping improve your credit history.
-
Can I use the Chime Credit Builder Card internationally?
Yes, the card is accepted wherever Visa is, including international locations.
-
What happens if I miss a payment?
Since the card is prepaid, there’s no risk of missed payments, but consistent use and funding are key to credit building.
How to Apply for the Chime Credit Builder Card
Getting started with the Chime Credit Builder Card is simple and hassle-free. First, open a Chime Spending Account, which is a prerequisite for accessing the card. Once your account is set up, transfer funds to your Credit Builder secured account to set your spending limit. Next, navigate to the Chime app and follow the prompts to request your Credit Builder Card. The application process does not involve a credit check, making it accessible to a wide range of users. Upon approval, you’ll receive your card in the mail within a few business days. Activate the card via the Chime app and start using it for everyday purchases. Remember to make on-time payments, as these are automatically reported to the credit bureaus, helping you build your credit score responsibly.