VisaChime Credit Builder Secured Visa
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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 with a qualifying direct deposit of $200 or more
- −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 real direct deposit. If you already bank with Chime, this is a no-brainer.
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