Chime Credit Builder Card
Build credit with no annual fee, no interest, and no credit check to apply. Designed to help you grow financially.
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Key Features
Experience the freedom to build credit while staying in control of your finances.
No Credit Check
Apply without impacting your credit score.
No Interest Charges
Pay no APR or hidden fees — ever.
Mobile Control
Freeze card, track spending, and manage payments via the Chime app.
Credit Reporting
We report to all 3 major credit bureaus to help build your credit.
No Annual Fee
Enjoy a cost-free experience while boosting your credit.
Connected to Your Spending Account
Use only what you move to the secured account — no overspending.
Why Choose Chime?
Chime is trusted by millions for smarter banking and financial growth.
FDIC-Insured
Your funds are safe and secure up to the legal limit.
Real-Time Alerts
Stay informed with instant notifications on spending and deposits.
Early Direct Deposit
Get paid up to 2 days early with direct deposit.
Fee-Free Overdraft
Qualify for SpotMe® and overdraft up to $200 with no fees.
Get Started with Chime
Take control of your credit future. Sign up and request your Credit Builder card today.
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