Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Unlike other secured credit cards, that money can be used to pay off your monthly balances. The money you move into Credit Builder’s secured account is the amount you can spend on the card.

Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. The Chime Credit Builder Visa ® Credit Card is our no fee, no interest, secured credit card that helps you build your credit. Other features our members love about our Chime Visa Debit Card are instant transaction notifications anytime your card is swiped, the ability to instantly block your card and order a replacement Debit Card all from within the Chime mobile app. Your Chime Debit Card can also be used with mobile-payment providers such as Apple PayTM, Google PayTM or Samsung PayTM. When you open a Chime Checking Account you get a Chime Debit Card that can be used at any merchant that accepts Visa.