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Verified May 2026

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

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Earning Rates

0x
all purchases

Chime Credit Builder Secured Visa

Chime

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:26:47.962Z from the facts above. This is a request-time answer, not something we monitor for you.

Statement credits

1
  • $200
    No 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)Show
  • 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)

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn None

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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

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