Manage Credit
A better credit score opens doors. Chime’s powerful suite of tools are designed to protect, maintain, and help build your credit 1—stress-free.
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[Chime Card
Cash back and credit up.
5% cash back2, stress-free credit building,1 and no annual fees or interest.4 Members can increase their score up to 70 points with on-time payments.
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[Experian Boost
Let your bills build credit.
Build credit with bills you’re already paying, like streaming or phone bills.
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[FICO® Score5 & Insights
Build your credit score up to 70 points6.
Level up your credit and score with personalized tips just for you.
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How Chime Card works.
Sign up in minutes.
Choose Chime Card™ when you sign up for Chime.7 No credit check required.
Use your card.
Build credit with the money in your Chime account on everyday spending and on-time payments.
Unlock 5% cash back with Chime Prime.
Get cash back on a category of your choice, higher APY on savings8, premium perks, and much more when you direct deposit $3,000 per month.8
Why members love us.
Not only is Chime The Most Loved Banking App®, but we’ve made a real and lasting impact on our members’ lives. Don’t take our word for it—we’ll let the numbers speak for themselves.
- Up to 5% cash back, stress-free credit building, and no annual fees or interest. Spend like usual, but now get credit for it.
- Build your credit score up to 70 points
- #1 Best Banking Brand in America
Chime is ranked the #1 Best Banking Brand in America by TIME World’s Best.9
- 95% of members feel more confident
Resources
- How to Use the Chime® Credit Builder Visa® Credit Card
- How Does a Secured Credit Card Work?
- How Can Credit Builder Help You Build Credit?
- What’s a Good Credit Score in Your 20s?
Unlock Chime Prime for free with direct deposit.
Unlock premium travel perks and exclusive benefits with qualifying direct deposits of $3,000+ per month.8
FAQs
How does the Chime Card work with my money?
When you sign up for a Chime Card, you will also get a Chime Checking Account and a Chime Secured Deposit Account (SDA). As you fund your checking account, this money is automatically transferred to your SDA, which sets your spending limit on the Chime Card.
When you sign up for Chime Card, you will also get a virtual Chime Visa® Debit Card that you can access in your app. When it’s time to make a purchase, you can choose which card to use: Chime Card to build credit and earn cash back, or your debit card.
How does the Chime Card help me avoid taking on more debt?
The Chime Card helps reduce your risk of debt, since you are using your own money and you can always see exactly how much you have available to spend.
Is the Chime Card a credit card?
Yes, the Chime Card is a secured credit card. The money you add to your account sets the credit limit for how much you can spend with the card.
When should I use my Chime Card and when should I use my virtual debit card?
The Chime Card is a great way to spend because you can build credit and earn rewards with everyday purchases. You can swipe in person, use online, and even withdraw cash from ATMs.
How long does it take for my Chime Card to arrive?
After you enroll, it’ll take on average 7-10 business days for your card to arrive.
What can I use my Chime Card for?
You can use the Chime Card anywhere Visa credit cards are accepted. With Chime Prime, you’ll earn 5% cash back on a category of your choice, and Chime Plus members can earn 2% cash back on a category of choice.2
Does SpotMe® work on Chime Card?
Yes! SpotMe covers purchases and cash withdrawals made with your Chime Card up to your SpotMe limit, if you're eligible and have the feature enabled in your app.