Stride Bank • Visa
Chime Credit Builder Visa®
No credit check. No interest. No annual fee.
★ ★ ★ ★ ★
4.5 (31,204 reviews)Very High Approval OddsApply on Official Site →
Annual Fee
$0
Min Deposit
$200
APR
0%
Credit Check
None / Soft
✓ Pros
- + No credit check required
- + 0% APR — no interest ever
- + No annual fee, no monthly fee
- + Deposit earns 2.00% APY
- + Reports to all 3 bureaus
- + Accepts bankruptcy history
✗ Cons
- − Must open a Chime Checking account first
- − Requires qualifying direct deposit ($200+/month)
- − No rewards
- − No path to traditional unsecured
Best For
People who want zero fees and zero interestThose rebuilding after bankruptcyAnyone who can set up direct deposit
Full Card Details
| Card Network | Visa |
| Issuing Bank | Stride Bank |
| Annual Fee | $0 |
| Monthly Fee | $0 |
| APR | 0% |
| Deposit Range | $200 – $10000 |
| Credit Line | Equal to your deposited amount |
| Min Credit Score | None required |
| Credit Check | No credit check |
| Reports to Bureaus | Experian, Equifax, TransUnion |
| Path to Unsecured | No |
| Refundable Deposit | Yes |
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