Offer value details
Chime's official product page says Chime Card is the next generation of Credit Builder and is a secured credit card. Chime says the secured Chime Visa cards are issued by The Bancorp Bank, N.A. or Stride Bank, N.A.
Qualification requirements
Chime's help center says Chime Card requires a Chime Checking Account. Chime's product page says the amount moved to the Chime Card is the amount available to spend with the card.
Fees and costs
Chime's reviewed product and help pages say Chime Card and Credit Builder have no annual fees and no interest. Chime also says out-of-network ATM withdrawal and over-the-counter advance fees may apply, and the current Chime Card page ties 5% cash back to a category of choice and $3,000 or more in monthly qualifying direct deposits.
Availability
Available to eligible Chime applicants, subject to Chime account and card approval. Chime's help center says card delivery typically takes 7 to 10 business days after approval.
What to verify
- Chime is a financial technology company, not an FDIC-insured bank.
- Credit-score impact can vary; Chime says late payment may negatively affect credit.
- The Chime Card and Credit Builder products use secured-account mechanics rather than a traditional preset unsecured credit line.
- Out-of-network ATM, over-the-counter advance, cash access, or program fees can apply under current agreements.
- Chime Card is replacing older Credit Builder positioning, so product names and eligibility can change.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.