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Chime Credit Builder Visa®
Chime

Chime Credit Builder Visa®

A no-annual-fee cash back card from Chime.

Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
New or rebuilding credit
Network
Visa
Apply on Chime site6.8/10Our rating · review ›

Rates, fees, and full terms are set by Chime and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 27, 2026. How we verify.

Is this card right for you?

✓ Best for

someone rebuilding credit who wants a card that reports to all three bureaus.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

Earn 2% cash back on one category you choose each month with a qualifying $200+ direct deposit (Chime Plus)
Reach 5% on your chosen category with $3,000 or more in direct deposits over 34 days (Chime Prime)
Pick from categories such as groceries, gas, restaurants, utilities, and travel; rewards capped at $1,500 in purchases per month

Best ways to earn & redeem

Put your dining, groceries, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No minimum security deposit — the money you move into Credit Builder becomes your spending limit
No annual fee and no interest (the card cannot carry a balance, so there is no APR)
No credit check to apply, and it reports to all three credit bureaus
Requires a qualifying Chime Checking Account to open Credit Builder

Alternatives to the Chime Credit Builder Visa®

Pairs well with

The Chime Credit Builder Visa® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Chime Credit Builder Visa® lands.

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