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Chime Credit Builder Secured Visa
Chime|Personal
/5
Annual Fee
$0
Sign-Up Bonus
None
Bonus Value
$0
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Is this card worth it?
Annual fee
$0
Welcome offer
None
Est. value
$0
Best for
Secured
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Earning Rates
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Statement credits
1- $200No credit check required for approval
No credit check required for approval; eligibility gated on Chime Checking plus a qualifying direct deposit of $200 or more in the prior 365 days
More benefits & fine print (8)ShowHide
- Secured card: cardholder moves money from Chime Checking to a Secured Deposit Account; that balance is the spending limit (no fixed pre-set credit line)
- Issued by Stride Bank, N.A. (FDIC-insured); some accounts issued by The Bancorp Bank, N.A.
- Reports to all three major credit bureaus (Equifax, Experian, TransUnion) as a REVOLVING credit tradeline, NOT as a debit card (confirmed via Chime support docs and 2026 NerdWallet, Bankrate, and CreditKarma reviews)
- Utilization is NOT reported to the bureaus: signature feature that prevents high-spend from triggering the 30% utilization weight in FICO scoring
- Reports payment status, account age, and current statement balance to the bureaus (the inputs that feed FICO payment-history and length-of-history factors)
- Safer Credit Building auto-pay feature eliminates missed-payment risk
- Chime cites a September 2025 Experian study showing average score increases up to 71 points
- 47,000-plus fee-free ATMs (MoneyPass and Visa Plus Alliance networks)
How we verified this card (4 sources)ShowHide
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