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 full credit card benefits without annual fees or hidden charges, for predictable, controlled spending.
No Credit Check
Apply with no credit history or hard credit check, offering accessible credit building for all.
No Interest Charges
Avoid debt with no interest charges; spend only what's deposited, building credit safely and responsibly.
Automated Credit Building
On-time payments are reported to major credit bureaus, automatically building your credit score over time.
Why Choose the Chime Credit Builder Card?
The Chime Credit Builder Card offers a secure, fee-free path to improve your credit score. Control spending with your deposits, build credit by reporting on-time payments, and enjoy financial flexibility.
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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.
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Do I need a minimum credit score to apply?
No, there is no minimum credit score requirement, making it accessible to everyone.
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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.
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Can I use the Chime Credit Builder Card internationally?
Yes, the card is accepted wherever Visa is, including international locations.
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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.