Building Credit
Chime Card
What this card costs, and how easily you get in.
Easy to open with no credit check, but it does not report how much of your limit you use, which is a large part of a score. It starts credit rather than grows it.
$0Yearly fee, all in
NoneDeposit, refundable
NoHard credit check
Terms apply. See rates & fees on Chime. Rankings are pure math, never sold.
The terms Chime
Yearly fee$0
Security depositNone
Credit checkNo hard check
Path to a real cardNo set path yet
Know before you apply
Plain facts
- Who gets approvedNo credit check. No credit check and no minimum. You set aside your own money to spend against. Know: it doesn't report utilization and has no upgrade path, so it starts credit rather than grows it.
- The issuer’s terms governRates, fees and bonus conditions are set by Chime and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Chime’s own published terms, last verified August 27, 2026.
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