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Annual Fee$0
APRNo interest (secured by your own funds)
Sign-up BonusNone~$0 value
RewardsNone
Credit Scorenone
Foreign FeesYes (3%)
+ Pros
- ✓$0 everything — no fees, no interest, no minimum
- ✓No credit check required
- ✓Reports to all 3 bureaus
− Cons
- ✗Requires Chime checking with direct deposit
- ✗No rewards
- ✗Not a traditional credit card experience
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All purchases | 0% | $150/mo | $0 |
| Total Estimated Annual Rewards | $0 | ||
Perks & Credits
Auto-pay from checking
SafePay
Flexible
Move Money Anytime
Who This Card Is For
- →Post-bankruptcy rebuilders who want zero cost
- →Anyone who already banks with Chime
- →People who want guaranteed approval with no credit check
Who Should Skip This Card
- →Anyone who wants rewards while rebuilding
- →People who don't want to switch to Chime banking
- →Those who prefer a traditional secured card experience
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Chime Credit Builder Visa (this card) | $0 | None | 4.3/5 |
| Discover it Secured Credit CardBest Card for Building Credit | $0 | 2% | 4.4/5 |
| Capital One Platinum SecuredBest Low-Deposit Secured Card | $0 | None | 4.2/5 |
Frequently Asked Questions
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Last updated: 2026-03-31