Chime Credit Builder Secured Visa
By Alex Compton · Last verified
Spend your own money like a debit card while it builds credit like a credit card.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Chime Credit Builder product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
No fee, no interest, no deposit minimum confirmed; requirement is a Chime Checking Account, $200 direct deposit not stated for applying.
Fields: cons, ourTake
Chime Credit Builder product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee, no interest, and no late fees
- ✦No credit check and no minimum security deposit
- ✦Money you move to the secured account becomes your spending limit
- ✦Utilization is not reported, so high usage does not hurt your score
- ✦Reports to all three credit bureaus monthly
Why it earns its spot
- +Genuinely zero fees and zero interest
- +No utilization reporting removes the biggest secured card mistake
- +Flexible limit: whatever you move over is what you can spend
Where it costs you
- −Requires a Chime Checking Account
- −No rewards and no graduation to an unsecured product
- −Chime is a fintech, not a bank, so service runs through the app
The Compound Verdict
The safest training wheels in the category. You cannot overspend, you cannot pay interest, and Chime does not report utilization, so the usual beginner mistakes are impossible. The catch is you have to live inside the Chime ecosystem with a Chime Checking Account. If you already bank with Chime, this is a no-brainer.
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