Chime Credit Builder: No-Fee, Interest-Free Path to Building Credit
The Chime Credit Builder Visa® Card is a secure, no-fee, interest-free tool designed for building or improving credit scores. With flexible spending limits based on deposits, credit reporting to all major bureaus, and no credit check required, it’s an accessible choice for establishing a positive credit history.
By: Nilo Trip
No Annual Fee or Interest Charges
The Chime Credit Builder Card has no annual fees or interest, making it a cost-effective way to build or improve your credit.
Control Your Own Spending Limit
Set your spending limit based on your deposit, allowing you to manage your budget effectively.
Build Credit with On-Time Payments
Chime reports your payments to major credit bureaus, helping you build positive credit history responsibly.
No Credit Check Required
Apply without a credit check, making the card accessible for those new to credit or rebuilding.
Why Choose the Chime Credit Builder Visa® Card?
The Chime Credit Builder Card is designed to support responsible credit building. With no fees, no interest, and no credit check required, it’s an accessible option. The ability to control your spending limit, paired with credit reporting, makes it a practical choice for anyone looking to build credit safely.
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Does the Chime Credit Builder Card have an annual fee?
No, there is no annual fee.
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Is there interest on purchases?
No, the Chime Credit Builder Card doesn’t charge interest on purchases.
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How is the spending limit set?
The spending limit is based on the amount you deposit in your account.
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Do I need a credit check to apply?
No, Chime does not perform a credit check for this card.
How to Apply for the Chime Credit Builder Visa® Card
Open a Chime Spending Account, then apply for the Credit Builder Card directly through the Chime app. The process is quick and doesn’t require a credit check.