Terms checked 2026-10-12
Spend your own money like a debit card while it builds credit like a credit card.
Special bonusAF: $0Rating: 6.8/10
Chime
Chime is a fintech that delivers banking services through The Bancorp Bank and Stride Bank, built around a no-fee checking account and the Credit Builder secured card. Its card serves people who already direct deposit with Chime and want to convert everyday debit-style spending into reported credit history without fees or interest.
Application Rules
- ▸No credit check: eligibility is based on your Chime Checking Account, not your credit file
- ▸Requires a qualifying direct deposit of $200 or more to a Chime Checking Account
- ▸Reports to all three bureaus monthly, and utilization is not reported
Tracked Chime Cards