Credit Builder Cards
Advertiser Disclosure
Chime Credit Builder Secured Visa® Credit Card
Why We Like It:
NO Annual Fee, NO Credit Check to apply, NO Interest, Has Credit Building features, and Fast & Easy application This is one of the best cards we've seen for subprime credit!
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No Credit History
  • To apply for a Chime Credit Builder Secured Visa® Credit Card, you must first open a Chime Checking Account and receive a qualifying direct deposit of $200 or more.
  • The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT).
  • The Chime Credit Builder Card is a secured credit card that can help consumers build credit history. It has no interest*, no annual fees, no credit check to apply, and no minimum security deposit required**
  • Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required**). Turn on Safer Credit Building** and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®. Experian®. and Equifax®.
  • Use your secured Credit Builder card everywhere VISA is accepted, including on everyday purchases, such as gas and groceries.
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No Credit History
Self - Credit Builder Account + Secured Visa® Credit Card
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Fair, Bad, No Credit
  • Start with a Credit Builder Account, which is a loan in a bank-held Certificate of Deposit that you pay off in monthly installments. Choose the plan that works for you.
  • In order to successfully open the Self Credit Builder Account, submission of a one-time non-refundable $9 admin fee is required.
  • Each on-time monthly payment gets reported to all 3 credit bureaus, builds credit history, and adds to your savings.
  • Make at least 3 monthly payments on time, have $100 or more in savings progress in your account, and be in good standing.* You'll automatically be eligible for the Self Visa® Credit Card, without a credit check.
  • Your savings progress from your Credit Builder Account acts as your refundable security deposit.
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Fair, Bad, No Credit
Current Build Visa Card
Why We Like It:
No minimum deposit, No credit check, No annual or monthly fees, Earn 7X points for Cash Back, and Earn up to 4% on your Savings, and several other good features including Credit Building
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All Credit Types - No Credit Check Required
  • Start banking & building credit
  • Get credit for every swipe
  • Build credit not debt
  • No monthly fees or minimum fees
  • No credit checks or history required
  • Earn points on swipes for cash back
  • Get paid up to 2 days faster
  • Earn up to 4.00% Bonus on savings
  • View Product Disclosures here
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All Credit Types - No Credit Check Required
Or consider this alternative...
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AmOne Personal Loans
  • Loans up to $50,000
  • Bad Credit OK, Minimum Credit Score: 580
  • APR: starting as low as 6.40%
  • No Collateral Needed
  • Consolidate debt, pay off a credit card, or make home improvements
  • Compare loan terms from multiple loan providers, all in one place, quick and easy
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Additional Disclosures for Chime Credit Builder Secured Visa® Credit Card:

*No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.

**No Minimum Security Deposit: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

**Safer Credit Building - On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.