Build Your Credit. Bank Smarter. Join Chime.
Take control of your credit journey with tools that are built to be simple, flexible, and on your side. With Chime, you can build credit, skip unnecessary fees, and manage your money confidently — all in one easy-to-use app.
Eligibility requirements and qualifying direct deposit needed. Terms apply.
What is the Chime Credit Builder card?
Chime Credit Builder is a secured Visa credit card designed to help you build credit safely while you spend money on everyday purchases.
- No credit check to apply, so you can get started without a hard inquiry.
- No annual fee, ever.
- Secured card that uses the money you move into your Credit Builder account as your spending limit.
- Reports to all 3 major credit bureaus (Experian, TransUnion, and Equifax) to help you build a positive credit history with on-time payments.
On-time payment history and other factors may have a positive impact on your credit score. Late payments may negatively impact your credit score.
Banking with Chime: Benefits that work for you
No monthly fees
Keep more of your money with no monthly maintenance fees and no hidden gotchas.
No minimum balance
Start where you are. There’s no minimum balance requirement to keep your account open and in good standing.
Early direct deposit
Get paid up to 2 days early with direct deposit, so you can cover bills and goals without waiting.
Automatic savings
Set aside money without thinking about it using round-ups and automatic transfers to your savings.
SpotMe overdraft
Qualifying members can overdraft fee-free on debit card purchases, up to a limit that grows with your account history.
Credit Builder Visa card
Use your Chime Credit Builder Visa secured card for everyday purchases and help build credit over time with on-time payments.
60,000+ fee-free ATMs
Access your cash at 60,000+ fee-free ATMs, so you can withdraw money where and when you need it.
Designed to help you grow
From fee-free checking to tools that support your credit journey, Chime is built to help you move forward, not hold you back.
Why Chime?
Chime is built for people who are building or rebuilding their credit and want a fresh start with their money. Whether you’re new to credit, recovering from past challenges, or just tired of surprise fees, Chime offers tools that are transparent, flexible, and focused on your growth.
- Use Credit Builder to build payment history with everyday spending.
- Avoid common banking fees that can slow you down.
- Stay on top of your money with real-time alerts and an easy-to-use app.
- Grow your savings automatically while you handle day-to-day expenses.
Scan to join Chime & get $100
Open your camera, scan the QR code, and finish signing up in just a few minutes.
Ready to start building credit with Chime?
Scan the QR code or click below to join Chime and get $100 when you receive a qualifying direct deposit. It only takes a few minutes, and you’ll be on your way to smarter banking and stronger credit.