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<form class="email-capture enroll-form" data-action="https://member.chime.com/enroll/" method="post">
  <div class="email-capture__input-val"> <input class="email-capture__input copy--body-cond" type="email" name="user[email]" placeholder="Enter your email" autocomplete="email" title="Email Address">
    <div class="email-capture-error email-capture__validation copy--disclaimer"></div>
  </div> <input class="btn email-capture__submit email-capture-submit copy--button" type="submit" value="Get started" data-android="Enter your email"> <input type="hidden" name="ph_tid" value="">
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LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM

Chime is a financial technology company, not a bank. Banking services provided
by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.;
Members FDIC.

Proceed


A NEW WAY
TO BUILD CREDIT

Help build credit with no interest or fees.



Already have an account?

Click for terms and conditions

Privacy Policy for info on data collection and uses




HELP BUILD CREDIT WITH EVERYDAY PURCHASES

Low credit or no credit, start improving your credit score by 30 points on
average with regular, on-time payments2 using the Chime Credit Builder secured
Visa® credit card1.

   
 * No interest or annual fees
   
 * No credit check to apply
   
 * No minimum security deposit required3


WHY CREDIT BUILDER?

Chime Credit Builder Secured Credit Card
Traditional Secured Credit Card
Traditional Credit Card
Average APR
0%
19%5
12% - 17%5
Credit Check to Apply
No
Yes
Yes
Security Deposit Requirement
No minimum requirement3
Usually $200 - $5006
None
Average APR
Chime Credit Builder Secured Credit Card
0%
Traditional Secured Credit Card
19%5
Traditional Credit Card
12% - 17%5

Credit Check to Apply
Chime Credit Builder Secured Credit Card
No
Traditional Secured Credit Card
Yes
Traditional Credit Card
Yes

Security Deposit Requirement
Chime Credit Builder Secured Credit Card
No minimum requirement3
Traditional Secured Credit Card
Usually $200 - $5006
Traditional Credit Card
None



THE BEST WAY TO BUILD CREDIT WITH CREDIT BUILDER

Enroll in Credit Builder after you join Chime and receive a qualifying direct
deposit to your Checking Account.


DIRECT DEPOSIT

Move your direct deposit to your Credit Builder secured account to get started.


USE YOUR CARD

Spend up to the amount you’ve moved on everyday purchases like gas and
groceries.


PAY YOUR BALANCE

The money you’ve already moved to Credit Builder can be used to pay off your
monthly balance on time.


HELP BUILD CREDIT

We report your on-time payments to all 3 credit bureaus to help you build credit
over time.4





Take the first step and join the millions of members already using Credit
Builder.

Get started


CHIME HAS YOU COVERED

We know you want the Credit Builder card. But don’t sleep on the Chime Debit
card.

With it you can get cash at over 60K fee-free ATMs˜︎ and make purchases anywhere
Visa® debit cards are accepted.

You can apply for Credit Builder after receiving a qualifying direct deposit.1
Then, start building credit on everyday purchases and on-time payments.4


WE'RE CHANGING THE WAY YOU FEEL ABOUT MONEY

Join the millions on Chime and feel good about your finances.



Real members. Sponsored content.


SAFE, SECURE & TRUSTED BY MILLIONS

Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or
Stride Bank, N.A., Members FDIC and we keep your money safe and secure with
periodic security tests of our systems.

 * Turn on instant transaction alerts
 * Block your card in one tap
 * 24/7 live support – with a real human
 * Secure two-factor and fingerprint authentication


GET GOIN’ ON THE CREDIT GROWIN’

Start applying now—no credit check needed.
Get started



QUESTIONS?

Here’s everything you need to know about Credit Builder

Before Applying New member basics


WHAT DO I NEED TO APPLY FOR A CREDIT BUILDER?

All you need is a Chime Checking Account and qualifying direct deposits of $200
or more.

Don’t have a Chime Checking Account? Apply for one in under two minutes!


WILL IT REQUIRE A HARD CREDIT CHECK TO APPLY?

No way! We think everyone deserves a chance to build credit, so we don’t check
your credit score when you apply.


DO I NEED TO HAVE A CHIME CHECKING ACCOUNT TO USE CREDIT BUILDER?

Yes. We designed Credit Builder to work with the Chime Checking Account so that
you can move money instantly—across your Chime accounts!


DOES CHIME CHARGE ANY FEES FOR USING CREDIT BUILDER?

We don’t believe in unnecessary fees or profiting from our members’
misfortunate. We have no fees to apply, no annual fee or interest, and no fee to
replace your card. We do charge an out-of-network ATM fee if you use your card
at an ATM that is not a part of Chime’s fee-free network of 60,000+ ATMs.


HOW CAN CREDIT BUILDER HELP MY CREDIT SCORE?

Credit Builder offers features that help you stay on top of key factors that
impact your credit score. Consistent use of Credit Builder can help you build
on-time payment history, increase the length of your credit history over time,
and more. We report to the major credit bureaus – TransUnion®, Experian®, and
Equifax®.  

Learn more about credit building with Credit Builder.


WHAT MAKES CREDIT BUILDER DIFFERENT FROM TRADITIONAL CREDIT CARDS?

Unlike traditional credit cards, Credit Builder helps you build credit with no
annual fees and no interest. There’s also no credit check to apply!

Credit Builder is a secured credit card. The money you move into Credit
Builder’s secured account is the amount you can spend on the card. Unlike other
secured credit cards, that money can be used to pay off your monthly balances.
Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you
added won’t contribute to a high-utilization record on your credit history.

Learn more about how Credit Builder works.


IS CREDIT BUILDER A SECURED CREDIT CARD?

Yes, Credit Builder is a secured credit card. The money you move to the Credit
Builder secured account is how much you can spend with the card. This amount is
often referred to by other secured credit cards as the security deposit. Like
other secured credit cards, Credit Builder also reports to the major credit
bureaus, to help you build credit history over time. 

However, for most secured credit cards, security deposits are unavailable to
you, the consumer, until you close the account. With Credit Builder, you can use
your deposit to pay for monthly charges. Plus, Credit Builder charges no annual
fees and no interest, and no minimum security deposit required!


WHAT IS THE CREDIT LIMIT?

Credit Builder doesn’t have a pre-set credit limit. Instead, the money you move
into your Credit Builder secured account sets your spending limit on the card.

With traditional credit cards, using a high percentage of your available credit
limit could negatively impact your credit score. You don’t have to worry about
that with Credit Builder because Chime does not report credit utilization.
On-time payment history can have a positive impact on your credit score. Late
payment may negatively impact your credit score.

How much you can spend with Credit Builder is shown to you as Available to Spend
in the Chime app.


IF I USE ALL THE MONEY I ADD INTO CREDIT BUILDER, WILL CREDIT BUILDER REPORT
HIGH UTILIZATION AND HURT MY CREDIT SCORE?

Nope. Credit Builder doesn’t report percent utilization to the major credit
bureaus because it has no pre-set credit limit. That means spending up to the
amount you added will not show a high-utilization card on your credit history.
So rest assured to use Credit Builder for your everyday purchases and let them
count towards credit building!


HOW LONG DOES IT TAKE FOR MY CREDIT BUILDER CARD TO ARRIVE?

After you enroll, it’ll take on average 5-7 business days for your Credit
Builder card to arrive.


HOW DO I ACTIVATE MY NEW CREDIT BUILDER CARD?

It’s easy! Just go to the Chime app > Settings > Credit Builder > Activate Card.


WHAT CAN I USE MY CREDIT BUILDER CARD FOR?

You can use the Credit Builder card anywhere Visa® credit cards are accepted.


CAN I MOVE MONEY INTO MY CREDIT BUILDER SECURED ACCOUNT FROM ANOTHER BANK?

No, you cannot move money from other banks to your Credit Builder secured
account. You can only do that from your Chime Checking Account.


HOW LONG DOES IT TAKE TO MOVE MONEY BETWEEN MY CREDIT BUILDER SECURED ACCOUNT
AND CHECKING ACCOUNT?

Moving money between Chime Checking Account and Credit Builder takes ~60
seconds! Once the transfer is complete, your transaction history will reflect
the change and your Available to Spend will update.


WHAT IS SAFER CREDIT BUILDING?

Safer Credit Building is a feature that allows you to automatically pay your
monthly balance with the money in your Credit Builder secured account. Turn it
on, so your monthly balances are always paid on time! Learn more about how it
works here.


WHAT IS MOVE MY PAY?

Move My Pay is an optional Credit Builder feature that allows you to
automatically move a set amount from your Checking Account to Credit Builder
whenever you get paid. You can always make changes or move money between your
Chime accounts at any time. 


HOW AND WHEN DO I PAY OFF THE CARD?

You can pay off your Credit Builder charges in 3 ways:

 1.  Our recommendation is to turn on Safer Credit Building. When you make a
    purchase, the money you spent is put on hold in your secured account. Safer
    Credit Building uses that money to automatically pay your monthly balance.
    This will help you avoid late payments and outstanding balances.
 2. If Safer Credit Building is not turned on, Manual Payments can still be made
    at any time by going to Settings → Safer Credit Building → Make a Payment.
 3. ACH Payments can be made from any bank by using Credit Builder’s account and
    routing numbers. To find them, go to Settings → Safer Credit Building → Make
    a Payment → Paying with another bank

Credit Builder statements are available by the 28th of each month and due on the
23rd of the following month.


WHAT HAPPENS IF I MISS A PAYMENT?

If you miss a payment, we’ll disable your Credit Builder card and ask you to pay
your overdue balance. See “How and when do I pay off the card?” on how to make a
payment.  

If your balance due isn’t paid in full after 30 days, we may report information
about your account to the major credit bureaus. Late payments, missed payments,
or other defaults on your account may be reflected on your credit report.


WHERE CAN I FIND MORE INFORMATION ON CREDIT BUILDER POLICIES?

For the Credit Builder Visa Credit Card Agreement, please visit:
https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/

For the Credit Builder Application Disclosure and Secured Account Agreement,
please visit:
https://www.chime.com/chime-credit-builder-application-disclosure-and-secured-account-agreement


CAN I USE MY CREDIT BUILDER CARD TO WITHDRAW MONEY?

Yes! You can use your Credit Builder card to get cash fee-free at any in-network
ATM, just like your Chime debit card. You can withdraw cash from any atm, but
there’s a $2.50 fee for out-of-network withdrawals. Check out the ATM map to
find a fee-free location near you.


WHAT IS THE LIMIT ON THE CHIME CREDIT BUILDER CARD?

Credit Builder does not have a pre-set limit, the amount you move into the
Credit Builder secured account is the amount you can spend with the card. 


CAN YOU WITHDRAW CASH FROM THE CHIME CREDIT BUILDER CARD?

Yes! Just like your Chime Debit Card, you can withdraw cash using your Credit
Builder Card. Get cash fee-free⁵ at 60,000+ ATMs found in stores you love like
Walgreens, 7-eleven, CVS, and more! 


CAN I USE MY CHIME CREDIT BUILDER CARD AT AN ATM?

Yes! You can get cash using your Credit builder at any ATM. To avoid
out-of-network fees⁵, we recommend using one of the 60,000+ in-network ATMs
found in stores you love like Walgreens, 7-eleven, and more. Go into your Chime
app and use the ATM Map to find one closest to you!


CAN I OVERDRAFT MY CHIME CREDIT BUILDER CARD?

Credit Builder currently does not provide overdraft services. 



Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.,
Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or
Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used
everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card
and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a
license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are
accepted. Please see back of your Card for its issuing bank.



~ Fee-Free ATMs Get fee-free transactions at any MoneyPass ATM in a 7-Eleven
location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network
ATM withdrawal fees may apply.

1 Credit Builder To apply for Credit Builder, you must have received a single
qualifying direct deposit of $200 or more to your Checking Account. The
qualifying direct deposit must be from your employer, payroll provider, gig
economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR
Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers,
verification or trial deposits from financial institutions, peer to peer
transfers from services such as PayPal, Cash App, or Venmo, mobile check
deposits, cash loads or deposits, one-time direct deposits, such as tax refunds
and other similar transactions, and any deposit to which Chime deems to not be a
qualifying direct deposit are not qualifying direct deposits.

2 Credit Score Increase based on a representative study conducted by Experian®,
members who made their first purchase with Credit Builder between June 2020 and
October 2020 observed an average FICO® Score 8 increase of 30 points after
approximately 8 months. On-time payment history can have a positive impact on
your credit score. Late payment may negatively impact your credit score.

3 Security Deposit Money added to Credit Builder will be held in a secured
account as collateral for your Credit Builder card, which means you can spend up
to this amount on your card. This is money you can use to pay off your charges
at the end of every month.

4 On-time payment history can have a positive impact on your credit score. Late
payment may negatively impact your credit score. Chime will report your
activities to Transunion®, Experian®, and Equifax®. Impact on your credit may
vary, as Credit scores are independently determined by credit bureaus based on a
number of factors including the financial decisions you make with other
financial services organizations.

5 https://creditcards.usnews.com/articles/fee-survey

6 https://www.nerdwallet.com/article/credit-cards/how-much-secured-card-deposit

© 2013-2023 Chime. All Rights Reserved.


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