Chime Credit Builder Secured Visa Review
Stride Bank · People who want a risk-free way to build credit
4.2 / 5 (5678 reviews)
Annual Fee
No annual fee
Rewards
No rewards
Regular APR
0%
Credit Needed
No Credit History
Our Expert Verdict
7/10
Editor's Score
Chime'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.
Pros
- No minimum deposit
- No APR, no interest
- No late fees
- No annual fee
- Foolproof automatic payments
Cons
- Requires Chime checking account
- No rewards
- Spending limited to your deposit balance
- Not a traditional credit product
Key Benefits & Perks
No annual fee
No APR — no interest ever
No minimum deposit required
No late fees
Automatic payments prevent missed payments
Reports to all 3 bureaus
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People who want a risk-free way to build credit
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Customer Reviews
4.2
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