Advertiser Disclosure
Money Mindly is a free, independent comparison site published by SELECT TECH LLC. We may receive compensation when you apply for products through links on this site, and we also show third-party display ads. Compensation can affect which products we cover and where they appear, but it does not change our reviews or ratings. We are not a lender or card issuer. Always check the full terms on the issuer's site before you apply.
Read moreChime Card™ (secured) review
A secured credit card with no credit check, no interest and no annual fee, designed to help you build credit with money you already have. Here is how it compares.
Money Mindly is independent. We may earn a commission when you apply through our links, but that doesn't affect our analysis. Rates and terms come from the issuer's site and can change.
The bottom line
Rates and fees
- APR: no interest charged
- Annual fee: $0
- No minimum security deposit
- Out-of-network ATM and over-the-counter cash fees may apply
- See the official terms from Chime
More details
- Requires a Chime Checking Account, opened with the card
- Payments reported to TransUnion, Experian and Equifax
- Credit utilization is not reported
- Safer Credit Building can pay your balance on time automatically
Pros and cons
Pros
No credit check to apply
No interest and no annual fee
Reports payments to all 3 credit bureaus
You set your own limit with the money you add
Cons
Best cash back (5%) requires $3,000+ in monthly direct deposits
Cash back applies to up to $1,500 in purchases
Only works with a Chime account
Detailed review
Chime Card is a secured card: the money you move into its secured account is what you can spend, and you can use that same money to pay your monthly balance. There is no preset limit and no minimum deposit.
With qualifying direct deposits, you can earn 5% cash back on a category you choose as a Chime Prime member ($3,000+ per month) or 2% as a Chime Plus member, on up to $1,500 in purchases.
» MORE: Apply on the official Chime site
The basics
Card type: secured Visa credit card
Credit check: none
Interest: none
Rewards: up to 5% on a chosen category, with direct deposit
Annual fee: $0
How it compares
Chime Card™ (secured)
Discover it® Cash Back
Wells Fargo Active Cash® CardRates and terms from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is this card right for you?
Choose Chime Card if you have no credit history or need to rebuild, and want to avoid interest and fees.
If your credit is already good, an unsecured cash back card will earn more.
Already have good credit? Wells Fargo Active Cash pays 2% on every purchase with no annual fee.
How to apply