⭐ Editor's Choice — Top Rated Pick
Chime Credit Builder Secured Visa®
📍 Available in: US
★★★★★ 4.7 / 5.0
The Chime Credit Builder Secured Visa takes a revolutionary approach to credit building by eliminating interest charges entirely. You move money from your Chime checking account into your Credit Builder secured account, and that amount becomes your spending limit. When your monthly statement arrives, Chime's "Safer Credit Building" feature automatically pays the balance in full from your deposited funds, reporting positive on-time payments to all 3 credit bureaus without any risk of debt.
Key Facts at a Glance
| APR / Rate | 0% APR (No interest charged) |
| Credit / Eligibility | No Credit Check Required |
Pros & Cons
✓ Pros
- ✓Zero interest charges and zero debt risk—impossible to overspend your deposited cash
- ✓No credit check or minimum credit score requirement
- ✓Flexible credit limits: you set your limit based on how much money you move over
- ✓No annual fee and no foreign transaction fees
✕ Cons
- ✕Requires an active Chime Checking Account with qualifying direct deposit of $200+
- ✕Does not report credit utilization percentage (only reports on-time payment track record)
- ✕Does not offer cash back or point rewards
Key Features
No Credit Check to Apply0% Interest (No Debt Possible)$0 Annual Fee & $0 Maintenance FeesSafer Credit Building™ Auto-PayReports to TransUnion, Experian & Equifax
Compare Chime Credit Builder Secured Visa® Side-by-Side
Not sure if Chime Credit Builder Secured Visa® is the right fit? See how it stacks up against direct competitors:
Chime Credit Builder Secured Visa®vsChase Sapphire Reserve®
Chime Credit Builder Secured Visa®vsThe Platinum Card® from American Express
Chime Credit Builder Secured Visa®vsCapital One Venture X Rewards Credit Card
Chime Credit Builder Secured Visa®vsCiti® Double Cash Card
Chime Credit Builder Secured Visa®vsChase Freedom Unlimited®
Chime Credit Builder Secured Visa®vsChase Ink Business Preferred®