Chime Card™
4.0
4.0
MoneyAtlas
Rating
Ongoing Annual Fee
$0
Ongoing Purchases APR
N/A
Credit Score Needed
Pros
No credit check required: Chime Card doesn't perform a hard inquiry when you apply
Set your spending limit: Users can move money from their Chime Checking Account to the Chime Card account instantly
Automatic payment feature: The "Safer Credit Building" option automatically pays the monthly balance using funds in the secured account
Cons
No rewards program: Chime Card doesn't offer cash back, points, or other perks typically found with traditional credit cards
Requires Chime Checking Account: You'll need Chime's checking account to be eligible for the Chime Card
No upgrade path: Unlike some secured cards, Chime doesn't offer a way to graduate to an unsecured card