Updated September 28, 2026 · DebitCue Editorial Team
Chime Card (Secured Visa Credit Card) vs Current Build Card
Current Build Card
Higher score in this comparison
Chime Card (Secured Visa Credit Card)
What sets them apart
| Compare | Chime Card (Secured Visa Credit Card)ReviewSee alternativesSee alternatives | Current Build CardReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 3% |
| Rewards type | Cashback | Points |
| Rewards rate | 5% cash back on selected category (Chime Prime with $3,000+ monthly direct deposits) or 2% (Chime Plus) | 1x points per $1 on eligible purchases, redeemable as cash back |
| 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 | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts |
| Card kind | Credit | Charge |
| APR | Not confirmed | 0% |
Same on both: Annual fee ($0), Credit needed (Poor).
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Key differences
- Current Build Card scores higher overall: 9.4 vs 9.1.
- Currency conversion fee is lower at Chime Card (Secured Visa Credit Card): 0% vs 3%.
- Perks: only Chime Card (Secured Visa Credit Card) offers Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection.
- Perks: only Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Support channels: only Chime Card (Secured Visa Credit Card) offers Phone.
Our verdict on each
Chime Card (Secured Visa Credit Card)
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.
Current Build Card
The Current Build Card suits US adults with poor credit who want a secured charge card with an annual fee of $0 and an APR of 0%. Foreign spend is the trade-off, since a currency conversion fee of 3% applies where the Varo Believe Secured Credit Card charges 0%. Overall 5.9.
Score breakdown
| Area | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| Cost | 9.4HigherThe secured card charges an annual fee of $0 and a currency conversion fee of 0%. | 9.2Annual fee of $0 and APR of 0% sit at the value end, while a currency conversion fee of 3% lifts the cost abroad. |
| Offer | 9.6 | 9.7Higher |
| Trust | 8.5 | Not confirmed |
Spending 1,000 abroad
Chime Card (Secured Visa Credit Card)
0
0% of 1,000
Current Build Card
30
3% of 1,000
Chime Card (Secured Visa Credit Card) comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| United States | Not confirmed | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS |
Available in 1 country for both.
How they place
| Ranking | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| Credit cards | 158 of 1020 | 14 of 1020 |
| Bad credit and credit builder cards | 13 of 23 | 1 of 23 |
| Secured credit cards | 11 of 27 | 1 of 27 |
Where these facts come from
Chime Card (Secured Visa Credit Card)
- chime.com: 12 facts, checked September 26, 2026
- help.chime.com: 1 fact, checked September 26, 2026
Current Build Card
- current.com: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, Secured | Rewards, Secured |
| Legal entity | Chime Financial, Inc. | Finco Services, Inc. |
| Headquarters | United States | United States |
| Founded | 2012 | Not confirmed |
| Support channels | Phone, Chat, Email, Help centreCovers more | Email, Chat, Help centre |
Debit cards
| Fact | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| Monthly fee | $0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Where each stands against the rest
| Fact | Chime Card (Secured Visa Credit Card) | Current Build Card | Median |
|---|---|---|---|
| Annual fee | $0at the median | $0at the median | $0 |
| APR | Not confirmed | 0%lowest quarter | 19.39% |
| Currency conversion fee | 0%below the median | 3%highest quarter | 1% |
Median across 312 listed cards.
Pros and cons
Chime Card (Secured Visa Credit Card)
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.
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.
Current Build Card
Pros
- Annual fee of $0 and APR of 0%, which places the card at 1 on annual fee out of 301 and at 1 on APR out of 133
- Opened for poor credit, poor, with a secured structure alongside rewards in rewards and secured
- Fee-free overdraft, a wide in-network ATM allowance and cash deposits at retail locations sit in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
Cons
- A currency conversion fee of 3% applies abroad, against 0% on the Varo Believe Secured Credit Card and 0% on the Chime Card
- Support runs on email, chat and help centre, which leaves no phone line for an urgent dispute
- Rewards are points redeemable as cash back, so a reader after a richer scheme gets less from spending here
Who each suits
Chime Card (Secured Visa Credit Card)
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.
Current Build Card
Who it suits
- Adults in the US with poor credit who are turned down elsewhere, since the card is aimed at poor credit
- US residents paid by direct deposit who can use the early paycheck and savings features in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
- Households wanting a single account covering a card, a savings pot and a teen account under the same provider
Who should look elsewhere
- Anyone spending heavily abroad, because the 3% conversion charge applies where the Varo Believe Secured Credit Card charges 0%
- Card users who want to talk to someone on the phone, since help runs on email, chat and help centre only
- People who want miles or a transferable points scheme, as this card pays points redeemable as cash back
Country by country
| Country | Chime Card (Secured Visa Credit Card) | Current Build Card |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Chime Card (Secured Visa Credit Card)
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.
Current Build Card
Is there an annual fee on the Current Build Card?+
The annual fee is $0, so the card costs nothing to keep open. That puts it at 1 on this measure out of 301 brands, and at the €0 site median. A reader who worries only about holding a card open finds nothing to pay here.
Will I pay interest on a balance?+
The APR is 0%, so a balance carried does not grow through interest on this card. It ranks at 1 on APR out of 133 brands, and the site median APR is 20.97%. The card is listed as a charge card in charge terms, so payment terms still matter even without interest.
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Current Build Card
Chime Card (Secured Visa Credit Card)