Best Cards for Building Credit

Pre-qualify with no impact to your credit score.

Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.

Start building credit by keeping your balance low and paying all your bills on time each month.

Our mobile app helps you keep track of your spending and payments for greater financial control.

When you need assistance our award-winning US-based Customer Service agents are there to help.

$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

With no credit check or prior credit required, anyone can start building credit. Fund your card with a minimum security deposit of $100 and use it anywhere Visa® is accepted in the U.S. Build credit by making on-time payments and maintaining a low credit utilization ratio. Every on-time payment helps build credit history.

If you don’t have the $100 security deposit today, consider a Credit Builder Account² starting at $25 a month⁴. Consistent, on-time payments help you build credit and build savings to secure The secured Self Visa® Credit Card³.

¹The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

²Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

³Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.

⁴$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing

A Chime® Checking Account is required to apply for the secured Chime Visa® Credit Card.

Credit building, stress-free.¹

Earn 1.5% cash back² on rotating categories with Chime+ status.³

SpotMe® on Credit.⁴

No interest⁵, no credit check.

Over 47,000 fee-free ATMs.⁶

Fee-free in-network cash deposits.⁷

¹On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.

²With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.

³To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.

⁴SpotMe® eligibility requirements and limits apply. Overdraft only applies to credit card transactions and cash withdrawals. Limits range from $20-$200.

⁵Out-of-network ATM withdrawal and over the counter advance fees may apply.

⁶Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

⁷Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.. and may be used everywhere Visa credit cards are accepted.