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Chime Card (Secured Visa Credit Card) review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Chime Card Secured Visa Credit Card suits people with poor credit who want a secured card with cashback and no annual fee. Its annual fee is $0, while the lack of a conventional credit check and reporting to the major credit bureaus help position it for credit building.

Key facts

Best for
Secured credit and cashback card shoppers focused on low card fees.
Annual fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
5% cash back on selected category (Chime Prime with $3,000+ monthly direct deposits) or 2% (Chime Plus) (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Perks
Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection, No credit check, Reports to 3 major credit bureaus, Access to 47,000+ fee-free ATMs (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Chime Financial, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards, Secured
Official website
chime.com

Debit cards

Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Chime Financial, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Rewards, Secured

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedInTrustpilot

Pros and cons

Pros

  • The card has an annual fee of $0 and offers cashback.
  • Its currency conversion fee is 0%.
  • It is secured and designed for people with poor credit.
  • Visa Zero Liability fraud protection, SpotMe overdraft protection and autopay are included.
  • The account reports to the major credit bureaus and has no credit check feature.

Cons

  • Cashback is limited to a selected category rather than applying broadly.
  • The higher cashback rate requires Chime Prime and qualifying direct deposits.
  • Chime Plus receives a lower cashback rate.
  • The card is secured and aimed at people with poor credit.
Chime Card (Secured Visa Credit Card)

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • People with poor credit who want a secured route to building a credit record.
  • Chime Plus members who want cashback on a selected category.
  • Customers who value a no annual fee card and access to fee-free ATMs.

Who should look elsewhere

  • Those who want a debit-first account should compare Starling Personal Account Debit Card instead.
  • People who want broad cashback rather than cashback on a selected category may prefer a different product.
  • Applicants seeking a conventional unsecured credit card may find that this secured option does not suit their needs.

Rewards and perks

The Chime Card Secured Visa Credit Card offers cashback rewards. Chime Plus members receive a lower rate, while qualifying direct deposits with Chime Prime unlock higher cashback on a selected category. The card also includes Visa Zero Liability fraud protection, autopay, SpotMe overdraft protection, a no credit check feature, reporting to the major credit bureaus and access to fee-free ATMs.

Where it sits among rivals

Chime ranks strongly for both fees measured here. Its annual fee ranking is 1 among 301 brands, while its currency conversion fee ranking is 1 among 181 brands. The card is positioned at the upper end of the listed cost comparisons for these measures.

Fees and currency costs

The Chime Card Secured Visa Credit Card has an annual fee of $0. Its currency conversion fee is 0%. Taken together, the fee structure is the main reason to compare the card closely with secured credit cards and other low-cost options.

Using it day to day

The associated Chime Card product is a debit card in the relevant debit comparison and uses the Visa network. Chime also lists access to fee-free ATMs as a feature. Customer support is available through phone, chat and email, covering phone, chat, email and help-centre support.

Who runs it

The legal entity behind the brand is Chime Financial, Inc., headquartered in the US. The brand was founded in 2012. Customer support is available through phone, chat and email, giving the operation a broad support channel mix.

How Chime Card (Secured Visa Credit Card) compares

Where Chime Card (Secured Visa Credit Card) is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does the Chime Card have an annual fee?+

The Chime Card Secured Visa Credit Card has an annual fee of $0. It is a secured credit card, and its stated audience is people with poor credit. The product is presented as a way to build credit without a conventional credit check.

What is the card's currency conversion fee?+

The currency conversion fee for the Chime Card Secured Visa Credit Card is 0%. That makes foreign currency transactions a notable part of the card's cost proposition for anyone using it outside the US.

What rewards does the Chime Card offer?+

The card offers cashback. Chime Plus members receive a lower rate, while qualifying direct deposits through Chime Prime unlock higher cashback on a selected category. The chosen category is narrower than a broad cashback offer across all spending.

Is the Chime Card suitable for people with poor credit?+

The card requires a refundable deposit because it is secured. Its stated credit profile is poor credit, and the card also carries a no credit check feature. The account reports to the major credit bureaus, which may help users establish a credit record.

What protections does the card include?+

The Chime Card includes Visa Zero Liability fraud protection. It also offers SpotMe overdraft protection and an autopay feature. These protections relate to fraud, overdrafts and payment handling, rather than covering every possible loss or financial situation.

How can customers get support?+

Customer support is offered through phone, chat and email. This gives account holders access to help by phone, chat, email and the help centre. The card uses the Visa network, while the associated Chime Card product is a debit card in the relevant debit comparison.

Can using the card help build credit?+

The card reports to the major credit bureaus. That reporting can help a person with poor credit build a record when they use the secured card responsibly. The card is designed to support credit building rather than cater only to applicants with established good credit.

What kind of card is the Chime Card Secured Visa Credit Card?+

The Chime Card Secured Visa Credit Card is a credit card with a secured model and a rewards offering. It is aimed at people with poor credit who may value the absence of a conventional credit check, cashback and no annual fee.

Sources

  • help.chime.com/hc/en-us checked September 26, 2026

    Backs: Support channels

    “Phone: 844-244-6363, Live chat through app, Help Center at help.chime.com, Email support”

  • chime.com/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Founded in 2012”

  • chime.com/credit/chime-card checked September 26, 2026

    Backs: Annual fee, Card kind, Credit needed, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type

    “We do not charge recurring fees; no annual fees, maintenance fees, international fees, and no interest.”

  • chime.com/join/campaigns/debit-credit checked September 26, 2026

    Backs: Card type, Monthly fee, Card network

    “Use your Chime debit card to withdraw cash at over 47K fee-free ATMs”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Chime Card (Secured Visa Credit Card)

Chime Card (Secured Visa Credit Card)

Secured credit and cashback card shoppers focused on low card fees.

9.1/10See alternatives