Chime has given its credit-building card a serious upgrade. Formerly known as the Chime Secured Credit Builder Visa® Credit Card, the refreshed Chime Card™ still helps you build credit — but now with added perks like cash-back rewards, higher savings rates, and simplified spending management.
Here’s everything you need to know about the new Chime Card™, and how it stacks up as a tool for boosting your credit score responsibly.
💳 What Is the Chime Card™?
The Chime Card™ is a secured credit card designed to help users build or rebuild credit without the usual hurdles. There’s:
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No credit check
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No APR
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No minimum security deposit
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No annual fee
As with the original version, the Chime Card™ reports to all three major credit bureaus — Equifax, Experian, and TransUnion — helping you build a positive credit history with on-time payments.
🌟 What’s New With the Chime Card™?
✅ 1.5% Cash Back on Rotating Categories
Eligible cardholders can now earn unlimited 1.5% cash back on rotating quarterly spending categories. To qualify, you’ll need to have a Chime Checking Account with direct deposit set up.
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Categories change every 3 months
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You can view current eligible categories inside the Chime app
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Rewards are paid out weekly
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Purchases outside the bonus categories do not earn rewards
💡 Creditvana Tip: Link direct deposit to unlock both the cash-back and higher APY benefits.
✅ Boosted Savings APY
If you also have a Chime High-Yield Savings Account, you can earn:
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3.75% APY with direct deposit
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1.25% APY without direct deposit
This makes Chime competitive with many online savings accounts.
✅ Simplified Credit Limit Management
With the older Chime Secured card, you had to manually move funds from your Chime Checking Account to your credit builder account to set your spending limit.
Now, your “Available to Spend” amount is automatically shown in the Chime app — and it reflects the full balance across your Chime accounts. No more transfers needed.
✅ MyPay Access for Paycheck Advances
Chime is also expanding its MyPay feature to Chime Card™ users. This allows eligible members to access up to $500 in paycheck advances per pay period.
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Free if received within 24 hours
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$2 fee for instant transfers
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Repayment is automatically deducted from your next direct deposit
🔁 What Stays the Same?
The Chime Card™ still follows the same basic structure that made the original card so popular:
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Requires a Chime Checking Account
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No interest charges or late fees
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Safer Credit Building feature can automate payments
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Payment due date is 24 days after your statement closes — miss it, and your card will be paused until the balance is paid in full
🔄 Existing Chime Credit Builder Users: What You Need to Know
Already have the Chime Secured Credit Builder card? You can:
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Keep your existing card as-is
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Upgrade to the new Chime Card™
According to Chime:
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Your credit history and card number will carry over
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You’ll retain all previous positive payment history
👍 Is the Chime Card™ a Good Fit?
✅ Best For:
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New credit builders with no or low credit scores
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People who want a card with no fees and no interest
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Users who already bank with Chime and use direct deposit
❌ Not Ideal For:
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Users who want flat-rate rewards on all purchases
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Those who don’t want to open a Chime Checking Account
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People looking for high credit limits or travel rewards
📌 Bottom Line
The new Chime Card™ keeps everything that made the original Chime Credit Builder card so accessible — but adds cash-back rewards, automated spending management, and even paycheck advances for eligible users.
If you’re trying to build credit without the risk of interest or debt, and you already use (or are open to using) Chime’s banking platform, this is one of the most consumer-friendly secured cards on the market.
