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Chime Card (Secured Visa Credit Card) review

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

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Our verdict

Chime Card suits US readers with poor credit who want a secured card to build a record. The annual fee is $0 and the currency conversion fee is 0%, on a credit card over the visa network that needs no credit check and reports to the credit bureaus.

Key facts

Best for
A secured US credit card for building a credit record with poor credit and earning cash back.
Annual fee
$0↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
5% cash back on selected category (Chime Prime with $3,000+ monthly direct deposits) or 2% (Chime Plus)↗
Credit needed
Poor↗
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↗
Card kind
Credit↗
Legal entity
Chime Financial, Inc.↗
Headquarters
United States↗
Founded
2012↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
No annual fee
Features
Rewards, Secured
Official website
chime.com

Debit cards

Monthly fee
$0↗
Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedInTrustpilot

Pros and cons

Pros

  • The card is aimed at poor credit: it is secured and needs no credit check, so a deposit does the work a credit file would otherwise do.
  • It reports to the major credit bureaus, both that and the no credit check route sit in Visa Zero Liability fraud protection, Autopay feature and SpotMe overdraft protection, so on-time use builds a record other lenders can see.
  • Rewards are paid as cashback, with a higher rate on a chosen category for Chime Prime members whose monthly direct deposits meet the threshold and a lower rate on Chime Plus.
  • Support runs on phone, chat and email, so a lost card or a disputed payment can be raised by phone, in live chat, by email or in the help centre.

Cons

  • It is a single market product: the company is based in the United States and the card runs on the visa network there, so UK and European readers sit outside it.
  • The stronger cash back rate is tied to Chime Prime and a monthly direct deposit that meets the threshold, so a reader paid into another account earns only the lower Chime Plus rate.
  • bunq, Wise and Starling Personal Account Debit Card cost an annual fee of €0, £0 and £0, but each is a way to spend a balance rather than borrow, so the record this card builds is lost by switching.
Chime Card (Secured Visa Credit Card)

Ready to try Chime Card (Secured Visa Credit Card)?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • US readers with poor credit who need a card to start a record and cannot pass a credit check.
  • Anyone with a direct deposit arriving each month who wants cash back on a chosen category.
  • Readers who want help by phone as well as in writing, since support runs on phone, chat and email.

Who should look elsewhere

  • Readers in the UK or Europe who need an account they can open in their own market: Wise has an annual fee of £0.
  • Anyone who wants to spend from a balance instead of borrowing: bunq has an annual fee of €0.
  • UK readers who want a debit card on a personal account: Starling Personal Account Debit Card has an annual fee of £0.

Everyday use

Everyday spending runs on the debit card, which works across the visa network and carries a monthly fee of $0. A card of that kind takes money straight from the balance behind it, so a reader can pay in a shop, online or at a machine without borrowing and without an annual charge. Cash taken out is the same money, which suits anyone who watches a balance rather than a statement. Support is the part most readers touch first, and it runs on phone, chat and email: a blocked payment, a lost card or a question about a deposit can be raised by phone, in live chat, by email or through the help centre, with no branch to visit. The visa network is accepted widely, so one card covers daily spending and a trip inside the market without a second network to check before you go.

How it compares on our data

On the data behind this page the card sits at 1 out of 312 brands ranked on annual fee, and at 1 out of 186 brands ranked on the currency conversion fee, so both fee lines a reader checks first sit at the top of their tables. The overall score is 7.1 and the cost part of it is 7.1, with 3 alternatives placed alongside. Retail loss percentages across the site put the median at 70.15%, the lower quartile at 65.75% and the upper quartile at 74.5%, with a low of 40.3% and a high of 88%. Fee tables are easier to climb for a product with nothing to charge, so the position comments on the fee model as much as on the deal. Either way, a place at the top of both tables takes the annual charge out of the running and leaves the rewards rate as the line that moves with your tier.

Fees and FX

The credit card carries an annual fee of $0 and a currency conversion fee of 0%, and the fee model is listed as no annual fee. A conversion charge at 0% is unusual for this kind of card and is the number that matters most to anyone paying in another currency. For context, the median annual fee across the cards on the site is €0 with an upper quartile of €6, and the median conversion fee is 1% with an upper quartile of 2.5%. The credit card ranking is tighter still: its median conversion fee is 2% and its upper quartile 2.95%, so this card sits clear of the field it is usually compared with. Two of the figures readers chase hardest in this category are both at the bottom, and that is the whole of the cost case.

The company behind it

The account is run by Chime Financial, Inc., a company headquartered in the United States and founded in 2012. That places the operation in the US rather than in the UK or Europe, which matters to a reader who wants a provider in their own market and to anyone weighing where their money sits. The support side is the part a reader meets early, and it runs on phone, chat and email: phone, live chat, email and a self service help centre, which covers a blocked card, a disputed payment or a question about a deposit. A company of this age has had time to build the help centre and the app around the account, while the US base keeps the product aimed at a single market and a single set of rules rather than a spread of currencies and protections.

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

What does the Chime Card cost to hold?+

The annual fee on the credit card is $0 and the fee model is listed as no annual fee, while the debit card on the same account carries a monthly fee of $0. The currency conversion fee is 0%, so there is nothing listed for spending in another currency. On the data behind this page the card ranks at 1 out of 312 brands on annual fee.

Is the Chime Card a credit card or a debit card?+

Chime lists it as a credit card and also offers a debit card on the same membership, so the two are worth keeping apart. The credit card is the secured one that builds a credit record, while the debit card spends from the balance behind the account and carries a monthly fee of $0. Both work on the visa network.

Do I need good credit to get a Chime Card?+

The card is aimed at poor credit and is secured, so a deposit stands in for a credit history. There is no credit check, and the account reports to the major credit bureaus, which means on-time use builds the file other lenders read. That pairing is the reason the card is worth a look for a reader starting a record from scratch.

How much cash back does the Chime Card pay?+

The higher rate is cash back on one chosen category and applies to Chime Prime members whose monthly direct deposits reach the required amount. Without a qualifying deposit, the rate falls to the Chime Plus level on all spending. The rewards are paid in cashback rather than points, so there is no scheme to convert and nothing to expire.

Is my money safe if someone spends with the card?+

The protection stated is Visa Zero Liability fraud protection, alongside SpotMe overdraft protection, and both sit in Visa Zero Liability fraud protection, Autopay feature and SpotMe overdraft protection, so a payment taken by a fraudster is covered and a short term overdraft is covered. The card runs on the visa network, and the account reports to the major credit bureaus, so a card opened in your name elsewhere shows in the same file.

Can I use the Chime Card abroad?+

Spending in another currency carries a conversion fee of 0% and the card runs on the visa network. Since the company is based in the United States, it is a US product, so a UK or European reader is outside its market and would want a card from a local provider such as Wise, which has an annual fee of £0. Foreign spending is a reason to look elsewhere.

Who can open a Chime Card?+

The account is run by Chime Financial, Inc., a company headquartered in the United States and founded in 2012, and it serves a single market. That makes it a choice for a US reader rather than a UK or European one. Among the alternatives on this page, Starling Personal Account Debit Card has an annual fee of £0 and sits in a different home market.

How do I get help with a Chime Card?+

Support runs on phone, chat and email: phone, live chat, email and a self service help centre. A blocked payment, a lost card or a question about a deposit can be raised on any of them, and the help centre handles the routine ones on your own. That makes it practical for a reader who banks from a phone.

How does the Chime Card score on cost?+

The overall score is 7.1 and the cost part is 7.1. On the data behind this page the card ranks at 1 out of 312 brands on annual fee and at 1 out of 186 on the currency conversion fee. 3 alternatives are listed alongside for readers who want a debit card instead.

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)

A secured US credit card for building a credit record with poor credit and earning cash back.

9.1/10See alternatives