Annual fee
$0
Rewards rate
5%-1.5%
Welcome Bonus
5%
Apply Now →on Chime's website
Regular APR:0% APR
- 5%Cash back for Chime Prime members
- 2%Cash back for Chime Plus members
Welcome Bonus:
Earn 5% cash back as a Chime Prime member on eligible purchases.
Reward Rate:
Earn 5% cash back as a Chime Prime member or 2% as a Chime Plus member.
APR:
0% APR
The Chime Credit Builder Visa Credit Card is an innovative option that allows users to build credit without the burden of interest or annual fees, making it an attractive choice for those starting their credit journey.
Pros:
- No annual fees
- No credit check required
Cons:
- Requires a deposit to fund spending limit
- Cash back tied to direct deposit activity
The Chime Credit Builder Visa Credit Card is well-suited for individuals seeking to establish or improve their credit scores without incurring interest charges or annual fees. Its straightforward structure and reward system make it particularly appealing for those new to credit or managing their finances responsibly.