Chime
Chime Credit Builder Visa®
Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
New or rebuilding credit
Offer last verified July 27, 2026. How we verify.
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
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
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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