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Secured Chime Visa® Credit Card review

No credit check, no interest, no annual fee and no minimum deposit. A way into a credit file for people the traditional cards turn down.

DTBy the DinsToday editorial teamAugust 27, 2026
✓Edited by DinsToday

We are not a bank and we do not issue credit cards. Terms below come from Chime's published materials and were checked on August 27, 2026. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.

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The verdict

It removes the two things that block people with damaged credit: the score requirement and the hard inquiry. Activity is reported to all three bureaus, which is what actually moves a score. What it will not do is clean up the late marks and collections already sitting on your file, and it ties you to Chime's checking account.Jump to:The full review
How to apply You will be taken to Chime's official page
Secured Chime Visa® Credit Card
InterestNo interestverified Aug 27, 2026
Rewards5% cash back in one category of your choice with a qualifying direct deposit
Credit lineYou set it by moving your own money overno minimum security deposit
Annual fee$0
Who it is forNo credit history or a damaged file
How to applyApplication inside the Chime app

Rates and fees

  • Annual fee: $0
  • Interest: none, the card is prefunded so there is no balance to charge interest on
  • Late fees: none
  • Card replacement: free
  • Out-of-network ATM fee: $2.50
  • Full terms on Chime's official page

More details

  • You move money from your Chime Checking Account and that amount becomes your spending limit
  • Reports to Experian, Equifax and TransUnion
  • Safer Credit Building can pay your balance automatically each month
  • No preset credit limit, so utilization is not calculated the usual way
  • Accepted everywhere Visa credit cards are accepted
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Pros and cons

What we like

  • No credit check and no hard inquiry to apply

  • No annual fee, no interest and no late fees

  • No minimum security deposit

  • Reports to all three major bureaus

What to watch

  • Requires a Chime Checking Account and a qualifying direct deposit of $200 or more

  • The 5% cash back depends on a qualifying direct deposit

  • No intro APR offer, because there is no interest to waive

  • It does not repair negative marks already on your report

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The full review

The Chime card works differently from the others here. You move money from your Chime Checking Account to the card, and that amount becomes what you can spend. Because you are spending funds you already hold, there is no balance to carry and no interest to pay.

To open one you need an active Chime Checking Account and a qualifying direct deposit of $200 or more, from an employer, payroll provider or benefits payer. Bank transfers, Venmo, Cash App and mobile check deposits do not count. Once both conditions are met, approval is effectively automatic and no credit check runs.

With a qualifying direct deposit you can also unlock 5% cash back in a category of your choice each month, which is unusual for a secured card. The real value, though, is the monthly reporting to all three bureaus, which builds the payment history a thin file is missing.

» MORE: Compare all five cards side by side

» MORE: Not sure which card fits? Take the quiz

The basics

Annual fee: $0

Interest: none

Security deposit: no minimum, you set your own limit

Credit check: none

Requirement: Chime Checking Account plus a qualifying direct deposit

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How it compares

Secured Chime Visa® Credit Card
How to apply
InterestNo interest verified Aug 27, 2026
Credit lineYou set it with your own money
Rewards5% in one chosen category with direct deposit
Who it is forNo credit check
Discover it® Cash Back
How to apply
Interest17.49%–26.49% verified Aug 27, 2026
Credit lineSet at approval
Rewards5% rotating, 1% base
Who it is forGood credit
Chase Freedom Unlimited®
How to apply
Interest18.24%–27.74% verified Aug 27, 2026
Credit lineSet at approval
Rewards1.5% base, 3% dining and drugstores
Who it is forGood credit or better

Issuer terms verified Aug 27, 2026. APRs vary by creditworthiness.

Compare before you applyEvery application leaves a mark on your credit file. Check the five cards side by side first.
See the comparison

Frequently asked questions

Does applying hurt my credit score?
No. Chime states that opening the account does not involve a credit check and does not trigger a hard inquiry.
How much do I have to deposit?
There is no minimum. Whatever you move over from your Chime Checking Account becomes your spending limit.
Do I need a Chime account?
Yes. An active Chime Checking Account and a qualifying direct deposit of $200 or more are required.

About the author

DT

DinsToday editorial team

We read the issuer's terms, check the numbers against the published rates and date every figure we publish.