LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Stride Bank Chime Credit Builder Secured Visa Credit Card Review

Stride BankVisaSecuredNo annual fee

Stride Bank Chime Credit Builder Secured Visa Credit Card earned 4.3 / 5 in our 2026 review. The Stride Bank Chime Credit Builder Secured Visa Credit Card earns no rewards with no annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
Stride Bank Chime Credit Builder Secured Visa Credit Card credit card
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TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Stride Bank
Network
Visa
Min credit score
300
Fintiex rating
4.3 / 5
Pros
  • +No annual fee, no interest charges, no minimum security deposit required
  • +Secured by your own money moved into a Credit Builder account
  • +No hard credit check to apply
  • +Reports to all three major credit bureaus monthly
  • +Safer Credit Building: automatic on-time payment from Credit Builder balance each month
  • +SpotMe eligible (if enrolled) can cover small overdrafts
  • +No foreign transaction fees
  • +Works wherever Visa is accepted
  • +Chime members with qualifying direct deposit can access early paycheck
Cons
  • -Must have a Chime checking account with at least one qualifying direct deposit
  • -No rewards or cash back
  • -Credit limit equals whatever you move into Credit Builder account (no floor or ceiling)
  • -Not a traditional credit card - no credit limit separate from deposited funds
  • -Chime is a financial technology company, not an FDIC-insured bank itself
  • -Cannot be used for certain purchases (money orders, wire transfers)

Rewards detail

The Stride Bank Chime Credit Builder Secured Visa Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$0
Purchase APR
0%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
0%
Cash advance APR
0%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for

The Chime Credit Builder Secured Visa Credit Card is built for people who want a secured or no annual fee card. Plan to have a FICO score around 300 or higher before applying. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Chime Credit Builder Secured Visa Credit Card have a foreign transaction fee?
No. The Stride Bank Chime Credit Builder Secured Visa Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Chime Credit Builder Secured Visa Credit Card?
Plan to have a FICO score of at least 300 before you apply. Issuers also look at income, debt-to-income ratio, and existing accounts with the bank.
Does the Chime Credit Builder Secured Visa Credit Card have a welcome offer?
No. The Stride Bank Chime Credit Builder Secured Visa Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Chime Credit Builder Secured Visa Credit Card have a 0% intro APR offer?
No. The Stride Bank Chime Credit Builder Secured Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 0%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Chime Credit Builder Secured Visa Credit Card?
$0. The Stride Bank Chime Credit Builder Secured Visa Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Chime Credit Builder Secured Visa Credit Card worth it?
Fintiex rates the Stride Bank Chime Credit Builder Secured Visa Credit Card 4.3 out of 5 for 2026. It is best for secured and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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