Chime Card (formerly Credit Builder)
Chime · Building Credit review
Existing Chime account holders who want to build credit without locking up any cash — no security deposit, no annual fee
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
0% — no interest; you spend only funds moved to the card
Variable — verify the current range at the issuer
As of July 8, 2026
Best for
Existing Chime account holders who want to build credit without locking up any cash — no security deposit, no annual fee, and 0% APR because you can only spend funds you've moved from your Chime spending account to the card. It reports to all three bureaus monthly, and there's no hard credit pull to apply.
Not for
Anyone who doesn't want to open a Chime spending account (it's required — this isn't a standalone product) and rewards-seekers, since there's no rewards program.
The catch
Because the limit is tied to what you move over, it won't grow on its own, and there's no formal graduation path to a traditional unsecured Chime card. It's a clean, zero-risk credit-history builder — not a card that scales with you.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 0% — no interest; you spend only funds moved to the card
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Chime Card (formerly Credit Builder) charge an annual fee?
No. The Chime Card (formerly Credit Builder) carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Chime Card (formerly Credit Builder) charge?
0% — no interest; you spend only funds moved to the card. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the Chime Card (formerly Credit Builder) best for?
Existing Chime account holders who want to build credit without locking up any cash — no security deposit, no annual fee, and 0% APR because you can only spend funds you've moved from your Chime spending account to the card. It reports to all three bureaus monthly, and there's no hard credit pull to apply.
Who should skip the Chime Card (formerly Credit Builder)?
Anyone who doesn't want to open a Chime spending account (it's required — this isn't a standalone product) and rewards-seekers, since there's no rewards program.
How did ClearValue score the Chime Card (formerly Credit Builder)?
Chime Card (formerly Credit Builder) scored 75/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Chime Card (formerly Credit Builder)
Other credit-builder cards we've scored, ranked by our methodology.
- DiscoverCanon
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- Capital OneSolid pick
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- PetalSolid pick
Petal 2 Visa
87/100Annual fee$0Ongoing APR23.74–33.24%Foreign txn feeNoneBest forThin-file or no-credit-history readers who want an unsecured card without a deposit, reports to all three bureaus, and e
Fees sourced from issuer terms · 2026-06-29
