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Chime Card

See the main information about this card to help you make a decision.

By Minimalguy · Updated recently

Main Highlights of the Chime Card

Annual Fee

$0

Credit Check

••••••••••

Card Type

Secured card

Network

Visa

Deposit

Secured deposit account required

Credit Reporting

Reports to all 3 major bureaus

Want more options?

Compare Chime with other popular credit cards and choose the one that best fits your needs.

‹

Chime Credit Builder

Best for building or rebuilding credit with a simpler secured card.

Annual fee $0

Rewards No

Intro APR No

Balance transfer No

Foreign fee 0%

Credit score None required

🔒

Click to unlock

Discover it Cash Back

Popular option for cashback and everyday rewards.

Annual fee $0

Rewards Cashback up to 5%

Intro APR Yes

Balance transfer No

Foreign fee 0%

Credit score Fair / Good

See card details

🔒

Click to unlock

Wells Fargo Reflect

Best known for long intro APR and balance transfer utility.

Annual fee $0

Rewards No

Intro APR Up to 21 months

Balance transfer Yes

Foreign fee 3%

Credit score Good / Excellent

See card details

›

Useful Information

The Chime Card is a secured credit card designed for people who want to build credit with a simpler and more controlled setup. It has no annual fees, no interest, and no credit check to apply. Because your secured deposit sets the amount available to spend, it can help reduce overspending while supporting credit-building habits over time.

Why the Chime Card is a popular choice

✓ No annual fee or interest charges

✓ No credit check to apply

✓ Helps build credit history

✓ No pre-set credit limit

✓ 1.5% cash back with qualifying direct deposit

What to know before applying

✓ Chime Checking and Secured Deposit Account are required

✓ Your secured balance sets your spending amount

✓ Reports monthly activity to all 3 major bureaus

✓ Safer Credit Building can automate payments

✓ Access to 47,000+ fee-free ATMs

‹ ›

Access the WhatsApp channel now and get card recommendations tailored to your profile!

See updates and new options directly on the channel. Turn on the bell 🔔 so you never miss a thing.

1

Tap “Open in WhatsApp” and then “Follow channel”.

2

Turn on the bell (🔔) to get notified whenever there’s a new update.

3

That’s it. You’ll start receiving posts from the channel.

OPEN IN WHATSAPP • FOLLOW CHANNEL

Informational WhatsApp channel. Educational content only — no approval guarantees and no automatic sign-ups.

+ Pros Chime card

+

No annual fee

You can use the card without paying an annual maintenance cost, which makes it more accessible for credit building.

+

No credit check to apply

This can help people with limited credit history or damaged credit access a card more easily.

+

Reports to major credit bureaus

Responsible use may help build payment history over time, which is one of the most important credit factors.

+

Helps control spending

Because it works with money you move into the account, it can be easier to avoid overspending.

+

No foreign transaction fee

It can be a useful option for purchases made on international websites or while traveling abroad.

+

Can help build payment habits

The card structure may support more disciplined spending and consistent payment behavior over time.

− Cons Chime card

−

Requires a security deposit

You need to move funds first, so it may not be ideal for people who want immediate access without tying up money.

−

No traditional rewards program

This card is more focused on credit building than earning cashback or travel points.

−

Limited value for balance transfers

It is not designed for users looking for intro APR promotions or balance transfer strategies.

−

Best suited for a specific profile

If you already have established credit and want rewards or premium benefits, other cards may offer more value.

−

Requires a Chime account setup

It works best within the Chime ecosystem, which may not suit users who prefer a more traditional banking setup.

−

Not ideal for reward maximizers

People focused on cashback, points, or premium travel perks may find more value in other unsecured cards.

$ How to apply

1

Open your Chime account

2

Add money to your Credit Builder secured balance

3

Set the amount available to spend

4

Use the card like a regular Visa card

5

Build credit by making on-time payments

Required documents

Government ID

Have a valid photo ID ready for identity verification.

Address details

Use your current residential address and matching personal information.

Income information

You may need to provide basic income and employment details.

Contact information

Be ready to confirm your phone number and email address.

Access the official Chime Card page

Visit the official Chime website to review the current product details and continue your application.

Access official site →

✓ You will be redirected to the official website

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