Chime Card (formerly Credit Builder)

Credit Builder is now Chime Card. The current secured card uses Chime checking and secured deposit accounts, with no credit check to apply and no minimum security deposit. The amount available in the app controls spending. Account eligibility still applies; this is not guaranteed approval.

Payments and costs

Current card terms have no annual fee, purchase interest or international transaction fee. Out-of-network ATM withdrawals and optional services can cost money, so “zero cost for everything” would be misleading.

Safer Credit Building can automatically pay the balance using secured funds. Monitor payments: missed payments can still damage credit. There is no promised score increase or timeline for qualifying for another card. Chime is a financial technology company; the issuing bank is Bancorp or Stride, as identified on your card.

Conditional cash back

Chime Plus earns 2% and Prime earns 5% in one category selected each calendar month, on up to $1,500 eligible purchases. Select before spending; the selection does not automatically carry into the next month. Purchases beyond the cap and outside the selected category earn no cash back under this program.

Prime requires $3,000 in qualifying deposits in the preceding 34 days. Plus requires one qualifying deposit of at least $200 or cumulative qualifying deposits of $400 in that period. Check membership terms and the app's available categories.

Our comparison excludes these conditional rewards because it does not collect membership or category choices. At $1,000 of qualifying category purchases, the reward would be $20 with Plus or $50 with Prime, assuming eligibility throughout.

Sources

Checked September 10, 2026: current Chime Card, Credit Builder transition, rewards addendum and card agreement. Existing accounts should check their own terms.