Chime Credit Builder
No deposit, no APR, no credit check
4.4
Editor rating · out of 5
Best for: Building credit without a deposit hit
Genuinely unique product — works like a secured card but with no deposit lockup. Best if you bank with Chime.
Pros and cons
Pros
- +No interest, no annual fee, no min credit score
- +No credit check
- +Reports to all 3 bureaus
Cons
- −Requires a Chime Checking account
- −No rewards
- −Spending limited to money you transfer in
Key details
Annual fee
$0
APR
0%
See how it compares
Read our full ranking and compare Chime Credit Builder side-by-side with alternatives.
See full business credit card rankings →