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Build credit with $0 fees and earn 1.5% cash back on rotating categories
The Chime Card is a secured credit card that builds your credit score with $0 annual fees, $0 interest, and no credit check required. Earn 1.5% cash back on rotating categories like dining, groceries, and gas with qualifying direct deposit. Members see an average 30-point credit score increase with on-time payments reported to all 3 bureaus.
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Fair
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 0% |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Get covered up to $200 on purchases or ATM withdrawals that exceed your balance — with no overdraft fees.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
The Chime Card is a $0-fee secured credit card that builds credit without the risks of traditional cards. It earns 1.5% cash back on rotating categories (with direct deposit), doesn't report utilization, and offers SpotMe up to $200. Unlike competitors, there's no upgrade path to unsecured credit.
| Source | Verified | Citation |
|---|---|---|
| Chime Official | — | Chime Official |
| U.S. News & World Report | — | U.S. News & World Report |
| CNBC Select | — | CNBC Select |
| WalletHub | — | WalletHub |
| RewardsCC API | — | RewardsCC API |
