Chime Credit Builder Secured Visa

Earning Rates

Key Benefits

All Benefits

• 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)
• $0 annual fee, 0% APR (cannot revolve a balance; card auto-pays from the Secured Deposit Account)
• 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
• 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)