Chime Card™ Visa Credit Card
Build credit with $0 fees and earn 5% cash back on a category you choose
The Chime Card is a secured credit card that builds your credit score with $0 annual fees, $0 interest, and no credit check required. With qualifying direct deposits ($3,000+ in the past 34 days), earn 5% cash back on a category you choose, on up to $1,500 of qualifying spend each month. Members see an average 30-point credit score increase with on-time payments reported to all 3 bureaus.
- Annual Fee
- $0
- Top Rate
- 5X
At a Glance
- 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
Earning Rates
- 5X
Top Spend Category
5% cash back on one category of your choice (selected in the Chime app) with qualifying direct deposits ($3,000+ in the past 34 days), on up to $1,500 in qualifying spend each month (chime.com pages as returned by search, 2026-10-10). Category list not published.
Earning Scenarios
5% Cash Back on a Category You Choose
With qualifying direct deposits, earn 5% cash back on the category you pick in the Chime app, on up to $1,500 of qualifying spend each month.
Spend $500/month in your chosen category → earn $25/month → $300/year in cash back
Benefits & Perks
Travel Benefits
6 perksGeneral Travel
Show 1 moreShow fewer
Insurance & Protections
3 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
SpotMe covers up to $200 fee-free
$200
Get covered up to $200 on purchases or ATM withdrawals that exceed your balance — with no overdraft fees.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Program & Transfers
Cash Back Rewards
Cash Back Rewards is the rewards program for this card. Transfer-partner details are currently unavailable.
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
The Chime Card is a $0-fee secured credit card that builds credit without the risks of traditional cards. It earns 5% cash back on a category you choose (with qualifying direct deposits), doesn't report utilization, and offers SpotMe up to $200. Unlike competitors, there's no upgrade path to unsecured credit.
Pros and Cons
Pros
- +No annual fee, no interest, no late fees, no foreign transaction fees
- +5% cash back on a category of your choice with qualifying direct deposit
- +No credit check required for approval
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Does not report utilization — spending up to limit won't hurt credit score
- +Automatic payments (Safer Credit Building) eliminate missed payment risk
- +No minimum security deposit required
- +SpotMe overdraft protection up to $200
- +Fee-free ATM access at 47,000+ locations
- +Members see 30-point average credit score increase with on-time payments
Cons
- -Requires Chime Checking Account with qualifying direct deposit
- -Credit limit limited to the amount you transfer (max $10,000)
- -Cannot transition to unsecured card — no upgrade path
- -No traditional revolving credit — must pay balance in full
- -Cashback only on one category of choice, not all purchases
- -No brick-and-mortar branches (fintech only)
Who It's Best For
Best For
- Building credit with no fees or interest while earning 5% cash back on a category of choice
- People with no credit history or poor credit who want a fresh start
- Existing Chime banking customers who want to consolidate finances
- Those who want guaranteed on-time payments through Safer Credit Building autopay
- People who want to avoid debt accumulation and high utilization reporting
Not Ideal For
- Those who don't want to open a Chime Checking Account
- People who need a traditional revolving credit line
- Those who want an upgrade path to an unsecured card
- People who want cash back on all purchases (only one category of choice)
- Those who prefer brick-and-mortar banking support
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Account required | The Chime Card is opened when you sign up for Chime and comes with a Chime Checking Account, whose funds set the card spending limit. |
Payment Terms
| Purchase APR | 0% |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosChime Credit Builder - Is It Worth It In 2025
How To Build Your Credit Score with Chime | Step-by-Step Guide
NEW Chime Card Review — Better Than the Old Credit Builder?
Chime Credit Builder Card Review 2025
Chime 2026 Review: SHOCKING Cons, Pros Best Credit Builder?!
Chime Credit Builder Review 2026: Is It REALLY The Best Credit Card To Establish Credit?
NEW Chime Credit Builder Card Review (2026): BOOST YOUR CREDIT FAST!
Third-Party Articles & Reviews
Is the New Chime Credit Card Worth It?
Chime Card — Official Product Page
Chime Retools Its Secured Card, Adding 1.5% Back on Eligible Purchases
Secured Chime Credit Builder Visa Credit Card Reviews
Chime Credit Builder Secured Credit Card Review 2026
Best Secured Credit Cards to Build Credit in 2026
Chime Credit Builder Review in 2025 (Reddit r/productreview)
Best Starter Credit Cards for 2026
Card Design
Evidence Sources
| 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 |
| Chime Official | Chime Official | |
| Chime Official | — | Chime Official |