Chime Credit Builder Secured Visa Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Chime Credit Builder Secured Visa Card4.2/5

Chime

Annual fee
$0
Rewards rate
1.5%-0%
Welcome Bonus
N/A
Apply Now →on Chime's website

  • 1.5%Cash back on rotating categories with qualifying direct deposits

Welcome Bonus:

N/A

Reward Rate:

Earn 1.5% cash back on rotating categories with qualifying direct deposits.

This card shines for its unique approach to credit building, allowing users to spend only what they deposit, thus avoiding interest charges altogether. The Chime Credit Builder Secured Visa Card is an excellent choice for those who want to build credit responsibly while earning cash back.

Pros:

  • No annual fee
  • No interest charges

Cons:

  • Limited cash back categories
  • Requires direct deposit for rewards
Apply now →

The Chime Credit Builder Secured Visa Card is well-suited for individuals looking to establish or improve their credit history without the burden of annual fees or interest charges, making it particularly appealing for those new to credit or those who prefer a budget-conscious approach to spending. Its straightforward structure allows users to manage their finances effectively while earning cash back on their purchases.

Frequently Asked Questions