Building your credit can be stress-free with the Chime Secured Credit Builder, offering easy-to-use features and no hidden fees.
What you need to know about this credit card:
- No annual fees or interest: Enjoy all the benefits without worrying about additional charges.
- No minimum credit score required: Perfect for beginners or those rebuilding their credit.
- Flexible credit limit: Spend only what you deposit, so you’re always in control.
- Reports to major credit bureaus: Boost your score with consistent, on-time payments.
Pros
- No credit check required: Apply without worrying about your current score.
- Fee-free ATM withdrawals: Access cash at 60,000+ fee-free ATMs nationwide.
- Safer Credit Building feature: Automate payments to never miss a due date.
- Credit utilization not reported: Spend confidently without affecting your credit ratio.
- No minimum deposit required: Start with as much or as little as you like.
Cons
- Requires a Chime Checking Account: You must have an active account to use this card.
- Limited cash withdrawal options: Only linked to Chime’s network of ATMs.
Why Choose Chime for your credit card?
Compared to Chase Bank, the Chime Secured Credit Builder doesn’t charge interest or annual fees, making it cost-effective for beginners.
Unlike Capital One Secured Mastercard, Chime offers flexible deposits that you can use to pay your balance immediately.
Compared to Wells Fargo Secured Card, Chime doesn’t require a credit check to apply, ensuring easy accessibility for all.
While Bank of America® Secured Card mandates a fixed deposit, Chime lets you decide how much to add each month.
Unlike Mission Lane Visa®, Chime’s card doesn’t have hidden fees or annual charges, offering a more transparent experience.
Chime Secured Credit Builder: let’s get to know it a little better
How to apply for your Chime Secured Credit Builder
Start building your credit the smart way today! Click below to learn more about the benefits and get started.