Chime Card (Secured Visa Credit Card)

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Build credit with no fees, no interest, and up to 5% cash back

Fee: No fee
Purchase APR: Not published
Interest-free: -
Foreign fee: None

Rewards

Cash back on a chosen spending category (groceries, gas, restaurants, travel, monthly bills, or rideshare). Rates are tier-dependent: 0% on standard Chime membership; 2% (up to $30/month cap) on Chime Plus ($400+/month qualifying direct deposit); 5% (up to $75/month cap, on up to $1,500 eligible monthly purchases) on Chime Prime ($3,000+/month qualifying direct deposit). Category can be changed once per month.

Our verdict

What stands out, and where it falls short.

What we like

Cash back on a chosen spending category (groceries, gas,…
No card fee
No foreign transaction fees
Airport lounge access

Who It Is For

Whether the Chime Card (Secured Visa Credit Card) fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: Not published
Interest-free period: -
Foreign transaction fee: None
Annual fee: $0
Foreign transaction fee: 0%

Rewards and features

Rewards: Cash back on a chosen spending category (groceries, gas, restaurants, travel, monthly bills, or rideshare). Rates are tier-dependent: 0% on standard Chime membership; 2% (up to $30/month cap) on Chime Plus ($400+/month qualifying direct deposit); 5% (up to $75/month cap, on up to $1,500 eligible monthly purchases) on Chime Prime ($3,000+/month qualifying direct deposit). Category can be changed once per month.
Pay with: Apple Pay, Google Pay, Contactless
Cash back rates by tier: 0% (standard) / 2% up to $30/mo (Plus, $400+/mo deposit) / 5% up to $75/mo (Prime, $3,000+/mo deposit)
Safer Credit Building: Optional autopay feature that pays monthly balance automatically on time to ensure positive payment history

Benefits and perks

Extras that come bundled with the card.

Credit bureau reporting

Reports on-time payment history to TransUnion, Experian, and Equifax; utilization rate not reported
No foreign transaction fees

0% foreign transaction fee on international purchases
Priority Pass (Chime Prime only)

Complimentary Priority Pass membership with access to 1,800+ airport lounges worldwide for Chime Prime members ($3,000+/month direct deposit)
Visa Signature Concierge (Chime Prime only)

24/7 Visa Signature Concierge service for travel, dining, and lifestyle assistance for Prime members
Visa Zero Liability

Protected against unauthorized transactions

Eligibility

What you need before you apply.

Requirements: Must have Chime Checking Account; no credit check; no minimum security deposit; US resident 18+

Chime Card (Secured Visa Credit Card): your questions answered

Does the Chime Card (Secured Visa Credit Card) have a card fee?

No - the Chime Card (Secured Visa Credit Card) has no card fee.

What rewards does the Chime Card (Secured Visa Credit Card) earn?

The Chime Card (Secured Visa Credit Card) earns Cash back on a chosen spending category (groceries, gas, restaurants, travel, monthly bills, or rideshare). Rates are tier-dependent: 0% on standard Chime membership; 2% (up to $30/month cap) on Chime Plus ($400+/month qualifying direct deposit); 5% (up to $75/month cap, on up to $1,500 eligible monthly purchases) on Chime Prime ($3,000+/month qualifying direct deposit). Category can be changed once per month..

Does the Chime Card (Secured Visa Credit Card) charge foreign transaction fees?

No - the Chime Card (Secured Visa Credit Card) has no foreign transaction fees, so it suits spending abroad.

Is the Chime Card (Secured Visa Credit Card) a credit, debit or prepaid card?

The Chime Card (Secured Visa Credit Card) is a credit card issued by Chime on the Visa network.

Does the Chime Card (Secured Visa Credit Card) support Apple Pay and Google Pay?

Yes - the Chime Card (Secured Visa Credit Card) works with both Apple Pay and Google Pay.

Where can I get the Chime Card (Secured Visa Credit Card)?

The Chime Card (Secured Visa Credit Card) is currently offered in United States.

How does DebitCue rate the Chime Card (Secured Visa Credit Card)?

DebitCue rates the Chime Card (Secured Visa Credit Card) 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Chime Card (Secured Visa Credit Card)?

Use the Apply now button to continue on Chime's secure site. Comparing and applying through DebitCue is free.