Chime Credit Builder Secured Visa Review

Unlock the secret to building credit with confidence and ease—discover why the Chime Credit Builder Secured Visa is revolutionizing the way individuals approach financial empowerment.

Unlike traditional secured credit cards, Chime Credit Builder Secured Visa stands out with its seamless integration into the Chime mobile banking app. This intuitive platform not only simplifies account management but also provides valuable insights into your spending habits and credit utilization.

With features like real-time transaction alerts and automated payment reminders, you can stay on top of your finances and build positive credit behavior effortlessly. Plus, Chime’s commitment to transparency means no hidden fees or surprises—just a straightforward path to a stronger credit profile.

CREDIT CARD

Chime Credit Builder Secured Visa

No annual fee No minimum deposit required

Credit building starts right now.

APPLY NOW You will be redirected

Chime Credit Builder Secured Visa benefits

• Credit Building: Building credit is a key focus of the Chime Secured Visa. With this card, you have the chance to start or improve your credit history wisely. By paying on time and keeping your credit use low, you can slowly create a positive credit record. This is important for getting future credit opportunities, like loans or mortgages.

• Credit reporting: The Chime Secured Visa reports your payments to big credit agencies, so your responsible credit actions show up on your credit report. Ultimately, this card is a useful tool for people who want to take charge of their financial future and have more financial freedom.
• No deposit require: With the Card Visa, you don’t need to deposit money upfront. Instead, the amount you move from your Chime Checking Account to your Credit Builder secured account sets your card’s spending limit.
• Flexible transfer: You can transfer money automatically whenever you get paid or manually whenever you like. These transfers happen almost instantly, usually taking just about a minute.
• No fixed credit limit: Unlike other secured cards that have fixed credit limits, this card gives you more control and access to your spending power right away. You also don’t have to wait for months or use the card extensively before becoming eligible for a credit limit increase.
• $0-annual-fee: With the Chime Secured Visa, you won’t be charged an annual fee, making it a cost-effective option for cardholders. This means you can enjoy the benefits of building credit without worrying about additional expenses adding up over time.
• Integration with Chime Mobile App: The Card Visa works smoothly with the Chime mobile app, giving you easy access to manage your account and track your finances. This means you can keep an eye on your spending, monitor transactions, and stay informed about your credit-building journey—all through your phone.
• Transparent Fee Structure: With the Card Visa, you’ll find a clear fee structure, ensuring you know exactly what charges to expect. This transparency makes it easier to understand your card’s costs and manage your finances effectively.
• Security Features: The Chime Credit Builder Secured Visa comes with security features to protect your account. These include zero liability for unauthorized transactions and instant alerts for any suspicious activity, ensuring your peace of mind against potential fraud.
• Opportunity for Credit Access: The Chime Secured Visa provides an opportunity for individuals to access credit, even if they have limited or poor credit history. This opens doors for those who may have faced challenges in obtaining credit in the past, allowing them to work towards financial stability and build a positive credit history over time.
• Convenient Payment Options: With the Chime Secured Visa, you have easy ways to make payments. You can set up automatic payments or pay manually, giving you flexibility to choose what works best for you.
• Worldwide Acceptance: The Chime Credit Builder Secured Visa is accepted worldwide, allowing you to use it wherever Visa is accepted, both domestically and internationally. This widespread acceptance ensures that you can rely on your card for purchases and transactions wherever you go, providing convenience and accessibility wherever life takes you.
• Visa perks: Get extra benefits as a Visa cardholder with the Chime Credit Builder Secured Visa. This includes things like extended warranty coverage, purchase protection, and roadside assistance. You also get access to special deals and discounts from Visa partners, making your shopping and travel experiences even better.

Who can apply?

To apply for the Chime Secured Visa, applicants must meet the following criteria:

• Must be a legal resident of the United States.
• Must be at least 18 years old.
• Must have a valid Social Security number (SSN).
• Must pass identity verification.
• Must have a funding source at a Chime Checking Account to transfer to your Credit Builder secured account.

How to apply?

Applying for a Chime Credit Builder Secured Visa is easier than you think:

1. Go to the Chime website and look for Chime Visa
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently asked questions

Can I use the Chime Credit Builder Secured Visa everywhere Visa is accepted?

Yes, you can use the Chime Visa wherever Visa is accepted, both online and in-store, worldwide.

How does a secured credit card work?

A secured credit card requires a security deposit, which serves as collateral for the credit limit. 

How do I make payments on the Chime Secured Visa?

You can make payments on the Chime Credit Builder Secured Visa through the Chime mobile app or website using your linked funding source. 

How long does it take to receive approval for the Chime Secured Visa?

Approval for the Chime Secured Visa is typically fast, but processing times may vary. Once approved, you’ll receive your card in the mail within a few weeks.

CREDIT CARD

Chime Credit Builder Secured Visa

No annual fee No minimum deposit required

Credit building starts right now.

APPLY NOW You will be redirected