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.
Terms apply. See rates & fees on Chime. Rankings are pure math, never sold.
What it costs to start
Someone starting out or rebuilding, with no spending assumed. Figures as of October 2, 2026, the day the terms were last verified.
Opening it takes no deposit, and holding it costs $0 a year. There is no hard credit check to apply. There is no set path from this card to an unsecured one; you move on by applying for another card. For anyone starting out, it places fifth of the 6 building credit cards we’ve confirmed.
Of the 6 building credit cards we’ve confirmed, its deposit is the lowest, shared, and 5 charge no annual fee. Of those 6, 4 run no hard credit check. Ranked just above it is the Varo Believe. Free and no credit check, but it needs a funded Varo account and has no set path to a real card. Just below it is the Self Visa Secured Card. $0 the first year, then $25, with no set upgrade path — the same job as the cards above it, at a higher price.
Who it fits
It fits if
- You have been turned down before: it runs no hard credit check.
- You cannot tie up cash: there is no deposit.
- You want it to cost nothing to hold.
Look elsewhere if
- You want the bank to move you to an unsecured card: there is no set path.
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 October 2, 2026. How we check
What people ask about it
Do I get the deposit back?
There is no deposit to get back.
How do I move on to an unsecured card?
Chime publishes no set path from this card. You move on by applying for another card once your history is built.
What does it cost over the first two years?
Nothing. There is no annual or monthly fee.
Where it shows up
Every ranking and comparison with the Chime Card in it, each computed the same way.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.
More cards like this
- Yearly fee $0OpenSky Plus Secured VisaOpenSky · for no credit history, no credit check and $300 refundable deposit
- Yearly fee $0Varo BelieveVaro · for no credit history, no credit check and no deposit
- Yearly fee $25Self Visa Secured CardSelf · for no credit history, no credit check and $100 refundable deposit
The three building credit cards beside this one on our list of every card. See every card