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Chime Credit Builder Secured Visa vs U.S. Bank Business Leverage Visa Signature
Both are well-respected travel cards. The Chime Credit Builder Secured Visa comes from Chime at $0/yr; the U.S. Bank Business Leverage Visa Signature from U.S. Bank at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the U.S. Bank Business Leverage Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the U.S. Bank Business Leverage Visa Signature first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chime Credit Builder Secured Visa | U.S. Bank Business Leverage Visa Signature |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | None | 60,000 bonus points |
| Bonus value (est.) | $0 | $600 |
| Min spend to unlock bonus | $0 in 0 mo | $6,000 in 4 mo |
| Issuer | Chime | U.S. Bank |
| Card category | secured | business |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Read the full review
U.S. Bank Business Leverage Visa Signature
$95/yr · 60,000 bonus points
Editorial take: U.S. Bank Business Leverage Visa Signature
Common questions
- Which card has the bigger sign-up bonus, Chime Credit Builder Secured Visa or U.S. Bank Business Leverage Visa Signature?
- The U.S. Bank Business Leverage Visa Signature has the bigger bonus, 60,000 bonus points, worth roughly $600, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chime Credit Builder Secured Visa's $0 annual fee worth it compared to the U.S. Bank Business Leverage Visa Signature?
- The Chime Credit Builder Secured Visa has no annual fee, so the question is whether the U.S. Bank Business Leverage Visa Signature's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Leverage Visa Signature's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Chime Credit Builder Secured Visa.
- Can I have both the Chime Credit Builder Secured Visa and U.S. Bank Business Leverage Visa Signature?
- Yes, since they're from different issuers (Chime and U.S. Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chime Credit Builder Secured Visa or the U.S. Bank Business Leverage Visa Signature first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chime Credit Builder Secured Visa: $0 spend in 0 months. U.S. Bank Business Leverage Visa Signature: $6,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.