The Secured Chime Credit Builder Visa® Credit Card advertises a path to build a healthy credit history - a similar claim other secured cards share. Cardholders must make a deposit to the secured card to set a credit limit and then they can make everyday purchases. Chime is a financial technology company, not a bank.

The Chime Credit Builder Visa® Credit Card is our no annual fee, no interest, secured credit card that helps you build your credit. In this guide, you'll learn all the basics – so you can get the most out of your Credit Builder card and start building credit like a pro.

The card has no annual fee or APR. With the Chime Credit Builder card, you make security deposits into your Credit Builder account however often and for any amounts you choose. You can then make purchases on credit up to your account balance. Each month, you receive a statement that you must pay in full.

Chime is a financial technology company that offers a secured credit card called Chime Credit Builder Visa® Credit Card2. Chime also offers a savings and checking account. Deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime is not a bank. It is a financial technology company. The banking services it offers are provided by The Bancorp Bank, N.A., and Stride Bank, N.A., both of which are FDIC members.

The Chime Credit Builder card is issued by Stride Bank, while the Chime checking account, which you will need to open the credit card, is through Bancorp Bank and Stride. Since Chime also partners with Visa, you can use the Chime Credit Builder Secured Visa Credit Card everywhere Visa credit cards are accepted.

Chime Credit Builder Visa® Credit Card: Basics Card type: Secured. Annual fee: $0. Security deposit: No minimum security deposit is required. The money you transfer from your Chime Spending Account to your Credit Builder secured account is how much you can spend with the card.

$10,000 Your credit limit on the Chime Credit Builder Secured Visa is equal to the amount you deposit in your Credit Builder account. You can choose any amount up to $10,000, and you can increase or decrease that amount anytime by transferring funds in or out of your Chime checking account.

Our Verdict. Chime® is a financial technology company - not a bank - offering online banking services through Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Founded in 2013 and headquartered in San Francisco, it services 14.5 million customers with 24/7 online banking and a network of 60,000-plus ATMs nationwide.

When traveling internationally, you can use your card in most countries where Visa is accepted as long as you enable international transactions. Chime doesn't charge foreign transaction fees. To turn on international transactions in your app: Tap the gear icon to open Settings.

United States Chime (company)

Yes, you can use your Chime card anywhere Visa is accepted, for payments and for withdrawing money from ATMs. However, you have to turn on International Transactions in your settings within the app. Chime does not charge a fee for international transactions, but there is $2.50 fee for international ATM withdrawals.

Both of the banks Chime partners with are FDIC members. Chime is known for offering low-cost accounts that do not include overdraft fees or monthly maintenance fees. However, account options are limited, which may not make Chime the best choice for those who have more extensive or complex financial needs.

Note: All members must be a U.S. citizen and at least 18 years of age. Chime offers an online bank account and a mobile banking app. You can download the app for free from the Google Play Store or Apple App Store.

Yes, you can use your Chime card anywhere Visa is accepted, for payments and for withdrawing money from ATMs. However, you have to turn on International Transactions in your settings within the app. Chime does not charge a fee for international transactions, but there is $2.50 fee for international ATM withdrawals.

You can use your Chime Debit Card anywhere Visa cards are accepted, including outside the U.S. and with no foreign transaction fees!