Rated 4.5/5.0 stars by our editorial team
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4.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!
Secured Chime Credit Builder Visa® Credit Card
Reviews
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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- Regular Purchase APR N/A
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
- Regular Purchase APR N/A
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0
- Credit Needed Limited / Poor / Fair
- Card Brand Visa®
Highlights
- No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., 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.
- *No interest: Out of network ATM withdrawal fees may apply. See here for details.1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.2 To apply for Credit Builder, you must have an active Chime® Checking Account.3 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.ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Card Fees
Foreign Transaction Fee
$0
Balance Transfer Fee
N/A
Penalty APR
N/A
Ongoing Information
Rewards Rate
Non-rewards card
Annual Fee
$0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Dec 16, 2024
We don't have a review for this card yet, but sit tight! There's one coming soon.
Expert Reviews of the Secured Chime Credit Builder Visa® Credit Card
The Bottom Line
The Secured Chime Credit Builder Visa® Credit Card takes on a straightforward approach to credit building, with no fees or interest rates adding to its allure for those cautious about additional charges. It is a foundational tool for credit improvement, rather than a fully-featured financial product offering broader benefits.
The Good
The Secured Chime Credit Builder Visa® Credit Card stands out for its no annual fee and no interest rate policy, making it a very cost-effective option for those looking to build or improve their credit score. It also doesn't require a credit check for approval, allowing easier access for individuals regardless of their credit history, and it reports to all three major credit bureaus, aiding in the credit building process.
The Not so Good
You must have a Chime Spending Account and having to move money into the Credit Builder secured account to spend can be limiting for some potential users who prefer more flexibility with their funds.
Editorial Note: This content is not provided by The Bancorp Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by The Bancorp Bank.
Consumer Reviews
OFFER RATING
/5.0
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