Secured Chime Credit Builder Visa® Credit Card

Credit builder account with secured card to build or rebuild your score safely

Updated: Aug 03, 2022

Advertiser Disclosure

The Chime Credit Builder Visa Credit Card, a secured credit card, helps build credit score by reporting credit activity every month. There are no annual fees and cardholders can increase their security deposit anytime. However, you should have a Chime Checking Account to apply for the Chime Credit Builder Secured Visa Credit Card.




0% Fixed



42 User Ratings

Secured Chime Credit Builder Visa® Credit Card

at Chime's Secured website

Apply Now

Introductory APR


Intro APR Period

Recommended Credit Score

Accepts All

Key Features

  • Helps to build, rebuild or increase your credit score
  • No interest
  • No annual fee
  • No foreign transaction fees
  • No credit check to apply
  • Fast pre-approval
  • No minimum security deposit is required
  • Automatic savings
  • Free card replacement

Our Take

The Secured Chime Credit Builder Visa Credit Card is issued by Stride Bank N.A., a member FDIC. It comes together with the Chime Credit Builder account and helps build and improve credit score over time. All Secured Visa card activities are reported to the main 3 Credit Bureaus monthly. There is no credit check to apply for Credit Builder account and secured card but you should already have Chime Visa Debit Card (Spending Account). The amount you move from Spending to Builder accounts is the amount you can spend on the secured card. In other words, it is your security deposit. You can increase your deposit anytime and to any amount you want. See: Chime vs Self Credit Builder

How does Chime Secured Work?

  1. Add money. Move a minimum of $200 from your Spending Account to Secured Account as a security deposit. You can increase the amount anytime.
  2. Spend money. Use your secured card on everyday purchases where Visa card is accepted.
  3. Pay balance. Pay money spent on card with your security deposit every time on time.
  4. Build credit. Chime reports all your on-time credit payments to 3 Credit Bureaus monthly and your credit score starts growing rapidly.

What are Chime Secured card benefits?

  • No fees. The Chime secured card has no interest, no application or maintenance fees, no foreign transaction fee, and it’s free to get card replacements.
  • No credit check. There is no credit check for pre-qualification, and therefore it does not affect your credit score.
  • Flexible credit limit. Account holders can increase secured credit line anytime and by any amount. They should just transfer the desired amount from Spending to Builder accounts.
  • Credit reporting. Chime reports credit activity to 3 Credit Bureaus on monthly basis.

Chime Secured Visa Competition

Frequently Asked Questions

Apply Now
Basic Information
Issuer: Stride Bank N.A.
Network: VISA®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • No Foreign Transaction Fee
  • EMV Chip
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: No
Rates & Fees
Regular APR: 0%
Regular APR Type: Fixed
Annual Fee: $0
Balance Transfer: No
Other Fees:
  • Card replacement fee: $0
  • Int'l Transaction Fee: $0
  • Min. security deposit: None

Secured Chime Credit Builder Visa® Credit Card Alternatives

Secured Chime Credit Builder Visa® Credit Card

Secured Chime Credit Builder Visa® Credit Card


Annual Fee


Regular APR


Intro APR


Rec. Credit Score

Accepts All

Additional Information & Comments

- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
- To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
- Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

*The information provided for Secured Chime Credit Builder Visa® Credit Card is believed to be accurate at the time of evaluation or recent update on August 03, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Secured Chime Credit Builder Visa® Credit Card

Share your experience and rate the Secured Chime Credit Builder Visa® Credit Card
Secured Chime Credit Builder Visa® Credit Card

Secured Chime Credit Builder Visa® Credit Card

Rec. Credit Score: Accepts All

Save to Compare

My Saved Cards (0)

Compare Saved Cards

Market Pro Secure® has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.