Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime Credit Builder Secured Visa® Credit Card

Booking hotels – credit card with no credit check to apply

  • No annual fee or interest¹
  • No credit check to apply
  • No minimum security deposit required²
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For Chime Checking Account holders5
Credit Builder app screenshot and Visa credit card

Start building credit for free.

No annual fees, no interest, or large security deposits². No credit check to apply.

Start building credit safely.

Instantly disable your card to help prevent fraud. Build credit using your own money to limit the risk of debt and missing payments. Get covered fee-free through SpotMe on transactions up to $200.³

Start building credit on everyday purchases.

Start building credit with everyday purchases and on-time payments4. Use it everywhere Visa credit cards are accepted.

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.

“My goal is to be able to buy a house and finance a new car on my own. Credit Builder has definitely helped me to build my credit back up to a point where I can do that.”

-Emily A.

“By using the credit builder I can finally get the chance to move forward in the right direction and have the future I've always wanted!!”

-Gareth G.

“I'm new to credit so it feels really good seeing that I'm safely increasing my score.”

-Larnell W.

Real member. Sponsored content.

How it works.

Credit Builder is great for people looking
for an easy way to build crget better interest
rates for that dream
car or house3
unlock their
financial progress
build credit with
purchases you
already make with
on-time payments4
find an easy, free,
safer way to help
build credit
use a card with no
annual fees, interest,
or credit history
requirements

FAQs

Are there credit cards for hotels?

If you're someone who finds themself frequently booking hotels, you'll probably be thrilled to know there are credit cards made specifically for hotel stays. These credit cards reward frequent travelers with benefits on their hotel stays. This is usually done using a rewards program, which allows the credit card holder to earn points for the money they spend on hotel bookings. These points can then be redeemed for free nights, room upgrades, and other rewards.

Is it better to use a credit card or debit card for hotels?

Using a credit card for hotels is generally better than using a debit card because it allows you to earn rewards, have better fraud protection, and avoid putting holds on your funds. Hotels will usually require a refundable deposit for incidentals, which can reduce the available balance on your debit card. With a credit card, however, this hold only affects your available credit.

Is it good to have a credit card for hotels?

Using a credit card for hotels to book your hotel stays can be incredibly useful. Credit cards can help you avoid putting holds on your available bank account funds, earn travel rewards, and protect yourself from fraud. If you often stay at hotels for work or leisure, these credit cards could help you make the most of your time and money.

How do I qualify for a credit card for hotels?

To qualify for a credit card for hotel stays, you'll most likely need to meet the following criteria: be at least 18 years old, have a job or a stable source of income, and provide valid identification. A good to excellent credit score may also be a requirement for premium travel credit cards that offer credit card holders hotel-related rewards and benefits. However, the specifics will vary from one credit card company to another.

What are the benefits of a credit card for hotel?

With credit cards for hotel stays, you'll be able to redeem points for rewards, like free hotel stays, room upgrades, travel insurance, late check-out, and more. These advantages add value to your hotel stays, making each trip a way to earn money toward the next.