thumb_up Know the Benefits

Chime Credit Builder is perfect for users looking for a simple and fee-free way to build or rebuild their credit.

• done No credit check required for approval.
• done No annual fee, no interest, and no hidden fees.
• done Payments are reported to all three major credit bureaus.
• done Flexible credit limit based on your spending habits.

thumb_down Understand the Drawbacks

While Chime Credit Builder is great for improving credit, it does come with some limitations.

• close Requires a Chime Spending Account to use.
• close No rewards program, which limits its use for everyday spending.
• close Limited to U.S. residents only.

help How to Apply for the Chime Credit Builder Card

Applying for the Chime Credit Builder Card is quick and easy.

1. Open a Chime Spending Account through their website.
2. Deposit funds into your Chime Spending Account.
3. Apply for the Chime Credit Builder Card.
4. No credit check is required, so approval is quick.
5. Once approved, you can start using the card to build credit.
6. Use the card responsibly to build your credit score over time.

The Chime Credit Builder Card offers a unique approach to building credit without the risks and fees associated with traditional credit cards. With no credit check, no annual fee, and no interest charges, it’s an accessible and straightforward way to improve your credit score. The card is ideal for individuals with no or low credit, though it requires a Chime Spending Account and does not offer rewards. It’s a simple and effective tool for building credit with minimal financial risk.