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Chime Card™
Partner Offer

Chime Card™

Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

No Credit History

Apply now at Chime's secure site
Reward Rates
1.5%Earn 1.5% cash back² on rotating categories with Chime+ status.³
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
N/A
Annual Fee
None

Highlights

  • A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.
  • Credit building, stress-free.¹
  • Earn 1.5% cash back² on rotating categories with Chime+ status.³
  • SpotMe® on Credit.⁴
  • No interest⁵, no credit check.
  • Over 47,000 fee-free ATMs.⁶
  • Fee-free in-network cash deposits.⁷
  • ¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
  • ²With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
  • ³To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
  • ⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.
  • ⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.
  • ⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
  • ⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
  • The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.. and may be used everywhere Visa credit cards are accepted.

Staff Review

Editor's Rating:

4.2 out of 5

Our take: This card offers a simple, low-cost way to build credit, but it's missing benefits like a rewards program and the opportunity to upgrade to an unsecured card.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.