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In April 2026, the Secured Chime Visa® Credit Card changed its rewards structure again, so the article below — from September 2025 — is out of date.
Chime — the financial technology company behind the Chime Secured Credit Builder Visa® Credit Card — has reworked the product's design and name, while also adding the opportunity to earn rewards.
Now called simply the Secured Chime Visa® Credit Card, it's still a $0-annual-fee secured card and will retain its key credit-building features: There's no credit check, no APR and no minimum security deposit required, and the card will continue to report to all three major U.S. credit bureaus. But unlike its predecessor, the Secured Chime Visa® Credit Card will earn an uncapped 1.5% cash back on rotating quarterly categories for cardholders who set up direct deposit into their Chime Checking Account. (You still must have a Chime Checking Account to get a Chime credit card.)
The categories that qualify for rewards will change every three months, and members will be able to view those eligible categories in the Chime app. Rewards will be paid out weekly. Spending in other non-qualifying categories won't earn rewards.
Chime says existing holders of the original Chime Secured Credit Builder card may opt to keep their card or upgrade to the Secured Chime Visa® Credit Card. Any credit history that has been built with the Chime Secured Credit Builder card will carry over to the Chime Card, and the card number will stay the same, the company says.
» MORE: Best secured credit cards
What else is changing?
Holders of the Secured Chime Visa® Credit Card will also get a 3.75% APY on their Chime savings account balance, if they've chosen to open one. The interest rate drops to 1.25% without direct deposit.
In addition, Chime has streamlined the card management experience. The previous version of the card requires holders to manually transfer money from their Chime Checking Account to their Chime secured account whenever they want to increase their credit limit. The updated Secured Chime Visa® Credit Card eliminates this process; instead, cardholders will see within the Chime app their "Available to Spend" number that represents the total balance between the Chime Checking Account and the Secured Chime Visa® Credit Card.
What's staying the same?
As is the case with the Chime Secured Credit Builder card, payments to the Secured Chime Visa® Credit Card are made from your required Chime Checking Account. Payments may be made manually or automatically using Chime’s Safer Credit Building feature.
Statement balances that aren’t paid within 24 days after the statement is issued will result in the Chime Card being paused until the full balance is paid off.
See more from Chime®
Chime says the following:
- The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Secured Chime Visa® Credit Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.
- On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
- Money added to the Secured Chime Visa® Credit Card will be held in a secured deposit account as collateral for your Secured Chime Visa® Credit Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
- Out-of-network ATM withdrawal and over the counter advance fees may apply.
- SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Secured Chime Visa® Credit Card. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physicalSecured Chime Visa® Credit Card or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions.
- With qualifying direct deposits, earn 5% cash back as a Chime Prime member or 2% cash back as a Chime Plus member on up to $1,500 of eligible Secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.
