- 1.5% cash back when you make a payment
- Accessible to fair credit
- Hybrid card and installment-loan structure
Chime Credit Builder Visa
Stride Bank・Visa・No.057
A secured-style card with no credit check that turns your everyday spending into a growing credit history.
✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.
Reward highlights
- No credit check and no annual fee
- No preset minimum security deposit
- Reports to all three credit bureaus
Who it's for
Best for Chime users who want to build credit with no credit check and no interest.
Good for
Key benefits
- No credit check to apply
- No annual fee and no interest
- No preset minimum security deposit
- Reports to all 3 credit bureaus
Rates & fees
APR and fees are illustrative — confirm current terms on the issuer's site.
Frequently asked questions
Do I need a good credit score?
No, there is no credit check, so you can start even with no credit history.
Do I need an SSN?
Yes, opening the underlying Chime account requires an SSN or ITIN.
Is there an annual fee or interest?
No, there is no annual fee and no interest because your balance is paid from your own funds.
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.