Build credit with no interest, no annual fee and no credit check. You spend money you move in from Chime.
Rates, fees and offers
- Regular APR
- 0% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- Not available
- Rewards
- No rewards. No credit check to apply and no minimum deposit; payments are reported to the credit bureaus.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Requires a Chime checking account. Because you can't borrow beyond what you've moved in, it builds payment history without the risk of new debt. There is no APR because you can only spend what you've added. Requires a Chime account.
Paying and contacting Chime
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Chime cards → · Search all cards
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