Chime Credit Builder Visa Secured Card: Build Credit Without Fees

Pair a Chime Checking Account with the Chime Credit Builder Visa Secured Card and build payment history with zero annual fees, zero interest, and no credit check.

You load the card with your own money, swipe like a traditional credit card, and Chime automatically pays the statement each month, so your score benefits without the risk of carrying a balance.

How the Secured Spending Cycle Works

Transfer money from your Chime Checking Account to the Credit Builder secured account before you spend. Purchases process on the Visa network, then Chime automatically pays the balance at month end using those secured funds. The payment reports to all three bureaus, so you avoid interest charges while building history.

Unlock Extra Value With Chime+

Set up qualifying direct deposit (typically $200+) to upgrade to Chime+. Members get access to rotating 1.5% cash back tiers, a high-yield savings account, early paycheck access, and SpotMe on Credit, which can advance up to $200 with no interest or late fees when eligibility criteria are met.

Trackable Credit Score Progress

A January 2024 Experian study found Credit Builder members who made their first purchase mid-2022 increased their FICO Score 8 by an average of 30 points after eight months of consistent use. Top performers saw improvements up to 71 points, proof that automation works when you keep other accounts in good standing.

Security and Everyday Management

The card includes Visa Zero Liability protection, real-time push alerts, and 24/7 access through the Chime app. Deposits are held at FDIC-insured partner banks up to $250,000 per depositor, giving you the same protections you expect from a traditional bank relationship.