Apply guide
How to apply for the Chime Credit Builder
- No annual fee
- Deposit from $0 (spend from your own money) — refundable
- Reports to all 3 bureaus — payments build your file
You will be redirected to another website.
The 4 steps
1. Check pre-qualification (soft pull, no score impact)~2 min
2. Fund your refundable deposit~5 min
3. Get your approval decisionoften instant
4. Turn on autopay, keep utilization under 30%ongoing
Not sure yet? Take the 60-second quiz →
Before you go
Does this card hurt my credit score?
There is no credit check to apply, so no hard inquiry. Missed payments would be reported — AutoPay prevents that.
What credit score do I need?
None. Approval does not depend on score — only a Chime checking account with qualifying direct deposit.
How long does it take to build credit with this card?
Payment history is the largest score factor; many builders see movement after 3–6 months of on-time reporting.