Last Updated: 03/05/2026
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The secured Chime Visa® Credit Card Review
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
- APRs: The secured Chime Visa® Credit Card has a fixed purchase APR of 0%
- 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?
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| Rewards Categories |
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| Gas | Up to 1.5 % cash back (For Chime+ members, you’ll earn 1.5% cash back on rotating categories like gas, groceries, restaurants, bills, and more.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 1.5 % cash back (For Chime+ members, you’ll earn 1.5% cash back on rotating categories like gas, groceries, restaurants, bills, and more.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | Up to 1.5 % cash back (For Chime+ members, you’ll earn 1.5% cash back on rotating categories like gas, groceries, restaurants, bills, and more.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
- Visa® Zero Liability
- Reports to major credit bureaus
What are the relevant APRs for The secured Chime Visa® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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?
The secured Chime Visa® Credit Card does not charge interest (Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.).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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
What is the support contact email for The secured Chime Visa® Credit Card?
What is The secured Chime Visa® Credit Card login page?
How do people rate the customer service and user experience of The secured Chime Visa® Credit Card?
Does The secured Chime Visa® Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
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
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 MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM participating in the Allpoint network.
Chime Visa® Credit Card holders - Deposits and debit refunds go to your Checking Account, then transfer to your Chime Card Secured Deposit Account - other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then transfer to your Secured Deposit Account. Funds are moved from your Secured Deposit Account to your Checking Account to facilitate outbound transfers and debit purchases. Your Available balance is the money you can spend with your Chime Card or Checking Account. See account agreements and statements for details.
With a qualifying direct deposit, earn 1.5% 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.