Chime Credit Builder Visa® Credit 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 Visa® Credit Card4.0/5

Chime

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

  • 1.5%Cash back on rotating categories with direct deposit

Welcome Bonus:

N/A

Reward Rate:

The Chime Credit Builder Visa® Card offers 1.5% cash back on rotating categories with qualifying direct deposit.

APR:

0%

The Chime Credit Builder Visa® Card is a unique option that allows users to build credit using their own money, with no fees or interest, making it an excellent choice for responsible spenders.

Pros:

  • No annual fee
  • No interest

Cons:

  • Requires a Chime Checking Account
  • Limited cash back categories
Apply now →

The Chime Credit Builder Visa® Credit Card can be a suitable option for individuals looking to establish or improve their credit score without incurring fees or interest charges. Its unique structure, which allows users to spend only what they deposit, makes it particularly beneficial for those who prioritize responsible financial management and seek to avoid debt.

Frequently Asked Questions