FloatMe's Favorite Credit Building Cards

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.

The first of its kind, the Mine Card helps build credit without interest or late fees. Our only fee is our Membership fee, which costs less than a cup of coffee a month.

The Mine Card doesn’t require a credit check or a cosigner to apply, making it more accessible to students and first-time credit builders.

Build credit up to 100 points after 3 months of on-time use (see site for details)

Cardholders get an unsecured line of credit up to $1,000 based on their existing bank balance, facilitating everyday expenses while discouraging overspending.

Mine cardholders get up to 3% cash back in a spending category of their choice, plus flash deals of up to 100% off at popular brands like Chipotle, Starbucks, Target and more.

Mine offers bite-sized courses on credit, investing, and budgeting. Users also get real-time spending insights, access to budgeting tools, real time credit monitoring, and more.

Mine has thousands of 5 star reviews, is used by 100,000+ students at over 1,000 universities, and is rated the best credit builder for college students by Business Insider.

Exclusive for our readers: Use code MINERV25 to save 25% on your Mine Membership - unlock credit building, cash back rewards, and no hidden fees today.