Chime Credit Builder Secured Visa® Credit Card
People with good credit – credit card with no credit check to apply
- No annual fee or interest¹
- No credit check to apply
- No minimum security deposit required²
Learn how we collect and use your information by visiting our Privacy Notice
For Chime Checking Account holders5
Start building credit for a better future.
We report to all 3 credit bureaus to help you build credit over time. Members see an increase of 30 points on average5.
Member testimonials.
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Join millions already using Chime’s Credit Builder
Give your credit some love. Start by opening a Chime Checking Account, and you’re ready to apply.5
Move Money. The money you move from your Checking Account into the Credit Builder secured account is the amount you can spend on your card.
Spend Money. Use Credit Builder anywhere Visa credit cards are accepted. Whether it’s gas or groceries, use Credit Builder on everyday purchases to help build credit when you make on-time payments.
Help build credit. The money you moved to Credit Builder can automatically pay your monthly balance on time with the Safer Credit Building feature turned on—which we report to major credit bureaus.
Still have questions about Chime’s credit card?
FAQs
Are there credit cards for people with good credit?
Yes, there are credit cards made specifically for people that already have a good credit score. Because the users of these cards have proven to be very financially stable, there are usually added benefits for these cards, like higher credit limits, lower interest rates, and rewards programs.
Is it better to use a credit card or debit card if you have good credit?
If you have good credit, there are only a few advantages to using a debit card. On the other hand, continuing to make good use of a credit card help you maintain and even build your credit. In fact, bonuses like rewards and cashback can make the benefits of using your credit card even greater.
Is it useful to have a credit card if you have good credit?
As long as you continue to use it in a responsible way, using a a credit card will help you continue to build upon your credit score. A credit card for people with high credit could even help you achieve your goals even faster.
How do I qualify for a credit card if I have good credit?
Generally, the baseline credit score you'll need in order to be approved for a credit card for good credit can be anywhere from 670 – 740. However, the specifics will vary from one credit card issuer to another.
What are the benefits of a credit card for people with good credit?
Once approved for a credit card for good credit, you'll be able to make use of their many advantages, which can include higher credit limits, lower interest rates, better rewards and cashback programs, and further improvement of your credit score.