Is The secured Chime Visa® Credit Card the right fit for you?
Last Updated: 04/28/2026
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Highlights
Purchase APR (Fixed APR)
N/A(Verified 04/28/2026)
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Balance Transfer APR (Fixed APR)
N/A(Verified 04/28/2026)
Credit Score Range
300 - 850
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Annual Fee
$0
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The secured Chime Visa® Credit Card Review
This is a secured credit rewards card issued through Chime®. If you're wondering whether The secured Chime 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 securely. 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 rewards card. It gives you rewards on your purchases , 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 can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of The secured Chime Visa® Credit Card
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The secured Chime Visa® Credit Card FAQ
Does The secured Chime Visa® Credit Card have a cash back or rewards program?
The secured Chime Visa® Credit Card is a rewards card.
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| Gas | Up to 2 % cash back (For Chime+ members, you’ll earn 2% cash back on category of choice.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 2 % cash back (For Chime+ members, you’ll earn 2% cash back on category of choice.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | Up to 2 % cash back (For Chime+ members, you’ll earn 2% cash back on category of choice.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does The secured Chime Visa® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does The secured Chime Visa® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are The secured Chime Visa® Credit Card benefits?
The secured Chime Visa® Credit Card provides the following benefits:
- Visa® Zero Liability
- Reports to major credit bureaus
What are the relevant APRs for The secured Chime Visa® Credit Card?
The secured Chime Visa® Credit Card does not offer balance transfers.Does The secured Chime Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. The secured Chime Visa® Credit Card does not offer balance transfers.Does The secured Chime 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 The secured Chime Visa® Credit Card?
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| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does The secured Chime 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 The secured Chime Visa® Credit Card?
The secured Chime Visa® Credit Card customer service number is (844) 244-6363.
What is the support contact email for The secured Chime Visa® Credit Card?
The support contact email for The secured Chime Visa® Credit Card is support@chime.com.
What is The secured Chime Visa® Credit Card login page?
You can access The secured Chime Visa® Credit Card login page here.
How do people rate the customer service and user experience of The secured Chime Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does The secured Chime Visa® Credit Card report your account activity to credit bureaus?
Yes, The secured Chime Visa® Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Chime® perform a hard credit pull?
No, Chime® does not require a credit pull. The secured Chime Visa® Credit Card can help you build credit with no annual fee, no security deposits, and no credit checks needed to apply.How to apply for The secured Chime Visa® Credit Card
To apply for a Chime Card, a Chime® Checking Account is required.
Visit The secured Chime Visa® Credit Card website for more details.
The secured Chime Visa® Credit Card Disclosure: * Chime is a financial technology company, not a bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
- The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
- On-time payment history may have a positive impact on your credit score. A credit score improvement is not guaranteed. Results may vary, see Chime.com for details.
- Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
- With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases.
- You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
See account agreements and statements for details.
- The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
- On-time payment history may have a positive impact on your credit score. A credit score improvement is not guaranteed. Results may vary, see Chime.com for details.
- Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
- With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases.
- You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
See account agreements and statements for details.
View The secured Chime Visa® Credit Card's published terms & conditions
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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.
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