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✓ No impact on your credit score to check

No history? No problem. No fee, either.

The Chime Credit Builder Visa® has no annual fee, no credit check to apply, and reports to all three bureaus — the simplest way to start a score from zero.

✓ Reports to 3 bureaus ✓ Deposit from $0 (spend from your own money) ✓ Annual fee $0

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Why it works
01

Reports to all 3 bureaus

Equifax, Experian, TransUnion — the raw material of a score, reported from your first cycle.

02

Deposit from $0 (spend from your own money)

You move your own money to the card as you spend.

03

Annual fee $0

No annual fee — the card costs nothing while it builds your file.

04

Secured→Unsecured

Graduation path: secured→unsecured via CLI.

The details

No history? No problem. No fee, either.


Starting from zero is its own kind of trap: no card means no history, and no history means most issuers will not look at you twice. The Chime Credit Builder was designed for exactly that door — no credit check to apply, no annual fee, and a spend-only design that makes overspending impossible.

Instead of a deposit that sits locked, Chime moves money from your Chime checking account to the card as you spend it. There is no interest and no balance to carry — the card can only spend what you moved. Payments report to all three bureaus like any card, which is where the score comes from.

How it works

Open a Chime checking account with a qualifying direct deposit, then request the Credit Builder card in the app — no credit check involved. Move money into the Credit Builder account when you want spending power; the card draws only from that. Each swipe is reported as a payment (because you are effectively paying as you go), and on-time reporting builds the file. Turn on AutoPay in the app so the reporting never slips.

Who it's for — and who should look elsewhere

Good fit if you:
  • No credit history at all
  • Want a $0-fee start with zero overspend risk
  • Have (or will open) a Chime checking account
Look elsewhere if you:
  • Do not want a bank account (OpenSky works without one)
  • Want rewards immediately (Quicksilver Secured)
  • Need a large credit line fast (secured deposits give bigger lines)

Costs at a glance

ItemCostNotes
Annual fee$0See issuer terms for full schedule
Security deposit$0 (spend from your own money)You move your own money to the card as you spend
Credit reporting3 bureausEquifax · Experian · TransUnion

How it compares

Versus the Capital One Platinum Secured: Capital One gives a real credit line from $49 with a major-bank approval process; Chime is easier (no check) but your line equals whatever you moved that month. Chime wins on total cost and safety; Capital One wins on line size and graduation path.

Rates & fees last verified Oct 2026 — verify current terms at the issuer. Editorial content, not financial advice.

FAQ

Frequently asked questions


Does this card hurt my credit score?
There is no credit check to apply, so no hard inquiry. Missed payments would be reported — AutoPay prevents that.
What credit score do I need?
None. Approval does not depend on score — only a Chime checking account with qualifying direct deposit.
How long does it take to build credit with this card?
Payment history is the largest score factor; many builders see movement after 3–6 months of on-time reporting.
What happens to my deposit?
There is no locked deposit — you move your own money to the card as you spend, so it stays yours throughout.
Can I be denied?
Yes, mainly if the checking account or direct deposit requirements are not met — not for score reasons.
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Chime Credit Builder
Deposit from $0 (spend from your own money) · fee $0
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