SuperMoney
Explore
Visit Site

Learn more about Chime secured Credit Builder Visa® Credit Card

Visit Chime secured Credit Builder Visa® Credit Card's website for more information.

Learn More
x No thanks, not right now
Advertiser Disclosure
  Chime secured Credit Builder Visa® Credit Card
Learn More

Best Of Product

Chime secured Credit Builder Visa® Credit Card
in Credit Cards from Chime®
Claimed Learn More

Chime secured Credit Builder Visa® Credit Card

Claimed
in Credit Cards from Chime®
SuperMoney Net Recommendation Score +47  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +47, equating to 3.9 on a 5 point rating scale.

+47

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

26 users recommend
4 users are unsure
8 users don't recommend
Cast your vote

Would you recommend Chime secured Credit Builder Visa® Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Community Rating Mostly recommended
Purchase APR  (Fixed APR) N/A
(Verified 08/14/2023)
Balance Transfer APR  (Fixed APR) N/A
(Verified 08/14/2023)
Credit Score Range 300 - 640
Annual Fee $0
Number of Reviews 38

Chime secured Credit Builder Visa® Credit Card Review

This is a secured credit card card issued by Chime®. If you're wondering whether Chime Credit Builder Visa® Credit Card is the right card for you, read on.

Key Takeaways

  • Start building credit with purchases you already make. Use it everywhere Visa is accepted. Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Build credit the safe way. Instantly disable card to prevent fraudulent activities. Build credit history with your own money. No more missing payments
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Chime Credit Builder Visa® Credit Card

The Good The Bad
  • Free credit building, no matter your credit history
  • No annual fee.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Chime secured Credit Builder Visa® Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Chime Credit Builder Visa® Credit Card FAQ

Does Chime Credit Builder Visa® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Chime Credit Builder Visa® Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Chime Credit Builder Visa® Credit Card?

Does Chime Credit Builder Visa® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Chime Credit Builder Visa® Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Chime Credit Builder Visa® Credit Card?

The following fees apply:

Chime secured Credit Builder Visa® Credit Card Fees
Description
Foreign Currency Transaction Fee 0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Chime Credit Builder Visa® Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Chime Credit Builder Visa® Credit Card?

The Chime Credit Builder Visa® Credit Card customer service number is (844) 244-6363.

What is the support contact email for Chime Credit Builder Visa® Credit Card?

The support contact email for Chime Credit Builder Visa® Credit Card is support@chime.com.

What is the Chime Credit Builder Visa® Credit Card login page?

You can access the Chime Credit Builder Visa® Credit Card login page here.

How do people rate the customer service and user experience of Chime Credit Builder Visa® Credit Card?

Overall, Chime Credit Builder Visa® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

Does Chime secured Credit Builder Visa® Credit Card report your account activity to credit bureaus?

Yes, Chime secured Credit Builder Visa® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Chime Credit Builder Visa® Credit Card

  • Visit the Chime Credit Builder Visa® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Chime secured Credit Builder Visa® Credit Card Disclosure: To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime 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. View Chime secured Credit Builder Visa® Credit Card's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Chime Credit Builder Visa® Credit Card

Credit Builder is a secured credit card that can help consumers safely build credit with everyday purchases. It has no interest, annual fees, credit check to apply, and minimum security deposit required!

The money you move to the Credit Builder secured account is how much you can spend with the card. This amount is often referred to by other secured credit cards as the security deposit. For most secured credit cards the minimum security deposit required is $200, and is unavailable to you, the consumer, until your account is closed. This means you’ll have to come up with new money every month to pay your monthly balance. With Credit Builder, you can use this money to pay monthly charges and can move money to and from your Credit Builder secured account whenever you want.

Credit Builder offers features that help you stay on top of key factors that impact your credit score. Consistent use of Credit Builder can help you build on-time payment history, increase the length of your credit history over time, and more. Credit Builder reports to the major credit bureaus – TransUnion®, Experian®, and Equifax® to help build credit over time.

All you need is a Chime Checking Account and qualifying direct deposits of $200 or more within the past 365 days.

Don’t have a Chime Checking Account? Apply for one in under two minutes!

Contact

Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

Other Services by Chime®

Icon for Banking

Checking Accounts

90

119 Reviews

Savings Accounts

18
10

30 Reviews

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Credit History Not Required
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
APR Type Fixed APR
Card Type
  • Secured
  • Bad Credit
Card Network Visa

Chime secured Credit Builder Visa® Credit Card Community Reviews

 

Would you recommend Chime secured Credit Builder Visa® Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +47, equating to 3.9 on a 5 point rating scale.

+47

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Credit Cards

Strongly recommended

22 Reviews

Strongly recommended

31 Reviews

Rating not yet determined  

1 Reviews

View All
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.