Você será redirecionado a outro site
Chime offers a few credit card options, all of which come with unique features designed to help you manage your finances more efficiently. Here’s a breakdown of the primary Chime credit cards:
Chime Credit Builder Visa® Credit Card
The Chime Credit Builder Visa® Credit Card is a secured card designed to help you build or rebuild your credit score without the burden of traditional fees. It’s a great option for anyone looking to improve their credit rating with responsible spending.
- No Annual Fee: Unlike most traditional secured credit cards, there are no annual fees associated with the Chime Credit Builder Visa® card.
- No Interest: You’re not charged interest because you’re only able to spend the funds that you load onto the card.
- No Credit Check: When you apply, Chime doesn’t perform a hard inquiry on your credit, making it an accessible option for people with poor or no credit.
- Easy Credit Building: Chime reports your activity to the three major credit bureaus (Equifax, TransUnion, and Experian), helping you build your credit score over time.
Chime Visa® Debit Card
Although not technically a credit card, the Chime Visa® Debit Card functions similarly to a credit card in many respects. With this card, users can:
- Make purchases anywhere Visa is accepted.
- Access cash from over 24,000 ATMs nationwide without paying a fee.
- Track spending in real-time through the mobile app.
Since this card functions more like a traditional debit card, it does not allow users to carry a balance, meaning you won’t incur interest charges, making it a great option for everyday spending.
Chime Mobile App: Performance & Reviews
The Chime mobile app is a central part of the overall experience, with a 4.8/5 star rating on the Apple App Store based on more than 350,000 reviews. The app is also highly rated on Google Play, with a 4.5/5 star rating from over 500,000 reviews. The app is available in both the U.S. and select international locations, and it is free to download on both iOS and Android devices.
How to Download the Chime App
- Open the App Store (iPhone/iPad) or Google Play Store (Android).
- Search for “Chime – Mobile Banking.”
- Verify the publisher: Chime Financial, Inc.
- Tap Install/Get, then Open the app.
- Sign up or log in to your Chime account.
Why Should You Get a Chime Credit Card?
Here are some key reasons why the Chime Credit Builder Visa® or Chime Visa® Debit Card might be the ideal choice for you:
- No Fees: There are no hidden charges—no annual fees, no interest rates, no monthly maintenance fees.
- Easy Credit Building: For those looking to build or improve their credit, the Chime Credit Builder Visa® card offers an accessible, fee-free way to do so.
- Convenience: With Chime’s mobile app, you can track your spending, deposit checks, and manage your finances on the go.
- Security: Chime offers Visa Zero Liability protection for any unauthorized transactions, ensuring your purchases are safe.
Frequently Asked Questions
Q1: Is Chime really free to use?
Yes, Chime offers no monthly fees, no overdraft fees, and no maintenance fees, making it a truly fee-free banking solution.
Q2: Does Chime offer direct deposit?
Yes, Chime allows for direct deposit, and you can receive your paycheck up to 2 days early.
Q3: How does the Chime Credit Builder Visa® work?
This secured credit card requires no credit check to apply, and you deposit money to use on the card. It helps you build credit without charging interest or fees.
Q4: How do I get access to Chime’s automatic savings features?
Chime’s automatic savings tools are enabled by default. You can choose to round up your purchases or set a specific percentage of your paycheck to be transferred to savings.
Sources:
- Chime – Mobile Banking (App Store and Google Play Ratings)
- Chime Credit Builder Visa® Card Features
- Chime Financial, Inc. Website
