Chime

Chime Card

Secured credit cards

A secured charge card with no annual fee, interest or application credit check. Money added to Chime Checking transfers to a secured account and sets available spending. Pay the full monthly balance; Safer Credit Building can automate payment.

Pros

  • No annual fee, interest or foreign transaction fee.
  • No credit check to apply.
  • Reports payments to Equifax, Experian and TransUnion.
  • Safer Credit Building can pay the monthly balance from secured funds.
  • Qualifying Plus members earn 2% and Prime members earn 5% on up to $1,500 in eligible purchases in the selected monthly category; rewards terms apply.

Cons

  • Requires Chime Checking and a funded secured deposit account.
  • Full monthly payment required; missed payments can damage credit.
  • Out-of-network ATM and over-the-counter cash withdrawals cost $2.50; ATM operator fees may also apply.
  • Cash back requires qualifying direct deposits and is limited to an eligible selected category.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Requires Chime Checking eligibility, approval and an account in good standing. Age 18+, SSN, U.S. address and legal-residency identity requirements apply. Existing members may need an upgrade offer.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 (currency not confirmed)
Security deposit From 0 (currency not confirmed)
Purchase APR Not confirmed
Foreign currency fee 0%
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Required
  • ITIN / alternative ID: Not confirmed
Credit check

None — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: From 0 (currency not confirmed)
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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