Chime Credit Builder Secured Visa
No fee
Stride Bank
Chime Credit Builder Secured Visa
4.2
(5,678 reviews)secured
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Chime's unconventional secured card has no minimum deposit and charges no interest — ever. You load money to a security account and spend from it, so you literally can't overspend. Automatic payment from your Chime account means no late payments, making it nearly foolproof for building an on-time payment history. Requires a Chime Checking Account.
Annual Fee
No annual fee
Purchase APR
0%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
No Credit History
Foreign Txn Fee
None
Who Should Get This Card
The Chime Credit Builder Secured Visa is best suited for those building credit who people who want a risk-free way to build credit. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No minimum deposit
- No APR, no interest
- No late fees
- People who want a risk-free way to build credit
Consider another card if you…
- Requires Chime checking account
- No rewards
- Spending limited to your deposit balance
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 0% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $0 |
Pros & Cons
No minimum deposit
No APR, no interest
No late fees
No annual fee
Foolproof automatic payments
Requires Chime checking account
No rewards
Spending limited to your deposit balance
Not a traditional credit product
The Bottom Line
The Good: The Chime Credit Builder Secured Visa stands out for its no minimum deposit. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Requires Chime checking account.
Our Verdict: The Chime Credit Builder Secured Visa scores 7/10 — a solid option for people who want a risk-free way to build credit. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Chime Credit Builder Secured Visa?▾
The Chime Credit Builder Secured Visa has no annual fee — you'll never be charged just for keeping the card open.
What credit score do I need for the Chime Credit Builder Secured Visa?▾
The Chime Credit Builder Secured Visa is recommended for applicants with no credit history credit. Approval is not guaranteed and depends on your full credit profile.
Does the Chime Credit Builder Secured Visa charge a foreign transaction fee?▾
No — the Chime Credit Builder Secured Visa has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Chime Credit Builder Secured Visa?▾
The Chime Credit Builder Secured Visa has a variable purchase APR of 0%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Chime Credit Builder Secured Visa best for?▾
The Chime Credit Builder Secured Visa is best for People who want a risk-free way to build credit. A key advantage: no minimum deposit.
Customer Reviews
4.2
5,678 reviews
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