Discover How to Apply for the Chime Credit Builder Card

The Chime Credit Builder Card is designed to help you strengthen your credit profile while enjoying seamless purchases anywhere Visa is accepted.

What to Know Before You Apply

The Chime Visa Credit Builder is a secured card that helps you create a solid credit history, shop safely, and maintain control of your finances.

Understanding How the Chime Card Works

Chime is one of the most recognized digital banks in the U.S., known for using technology to simplify personal finance.

Its Visa Credit Builder Card is a secured credit option—meaning you’ll make a refundable security deposit that determines your spending limit.

There’s no pre-set minimum or maximum, but the limit can reach up to $10,000, depending on your financial situation.

For example, if you deposit $1,000, that becomes your available credit limit.

As long as you pay your balance in full each month, your deposit stays untouched.
If you miss a payment, your deposit is used to cover what you owe, and the card may be closed.

By paying on time, you not only keep your deposit safe but also build a positive payment record, which helps raise your credit score over time.

Chime reports to all three major credit bureaus—TransUnion, Equifax, and Experian—so your responsible usage counts toward your credit history.

Each purchase helps establish your reputation as a reliable borrower, which can open doors to better credit opportunities in the future.

Who Is Eligible to Apply?

Chime’s credit builder is more accessible than most traditional credit cards.

There’s no hard credit inquiry during the approval process.
However, you must already be a Chime account holder to qualify.

That means you need an active Chime checking account with at least $200 in direct deposits to be eligible for the secured card.

How to Apply for the Chime Credit Builder Card

Before you apply, check whether you already have a Chime account.

If not, simply click “Sign Up Now” on Chime’s official website to begin.
You’ll be asked to provide the following details:

• Full name and email address
• Date of birth (applicants must be at least 18)
• Mobile number, residential address, ZIP code, city, and state

You may also need to share details about your income and employment during the setup.

Once your account is created, you can request the secured Chime Visa directly through your online account.

If you’re already a Chime user, just log in and apply through your dashboard—it’s quick and simple.

Remember, you can use your Chime account even without applying for the credit builder, as the bank also provides a debit card version.

For any issues, Chime’s support team is available to help through their official channels.

Additional Information

As a Visa card, the Chime Credit Builder is accepted virtually everywhere—across the U.S. and internationally.

You can use it just like any standard credit card: for online or in-store shopping, with tap-to-pay functionality for extra convenience.

You’ll also receive real-time purchase notifications, fraud monitoring, and SpotMe coverage (up to $200), ensuring safe transactions.

Want to Explore Another Option?

If you already have some credit history, the Wells Fargo Reflect® Card is another solid choice.
It offers no annual fee, a starting limit of $1,000, and additional perks like cell phone protection and exclusive discounts.

Written by

Sarah Connor