Chime Card Credit Builder
A plan byChime Card · Visa
Chime Credit Builder is a completely free card, with no credit check, no interest and no utilization reporting, plus access to over 47,000 free ATMs. It requires a Chime Checking account with a direct deposit of at least $200.
Credit Builder
- Price
- Free
- Annual price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 5%
- Cashback currency
- USD
- Cashback cap
- €69
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- 47.000+ ATM gratuiti (Allpoint)
- Net annual cost
- Free
What's included
- $0 annual fee
- No interest
- No min deposit
- No preset credit limit
- Reports a tutti 3 bureau
- Safer Credit Building (autopay)
- No foreign tx fee
- 5% cashback su categorie selezionate
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | 47.000+ ATM gratuiti (Allpoint) |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% in USD · Nessuno |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €0/year |
| Regulator | FDIC / OCC |
| OAM Italy registration | No |
| Segment | B2C |
| Past incidents | [object Object] · [object Object] · [object Object] |
| MiCA / License status | Partner bank charter n/a (US) |
Strengths
- Completamente free; no credit check; no interest; no utilization reporting; 47K+ ATM free.
- No notable sovereignty advantage documented.
Weaknesses
- Requires Chime Checking with direct deposit $200+.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (n/a (US)): reporting to authorities and freezes on order.
Verdict
It tops the category because it strips out the costs that sink rivals: no fee, no credit check, no interest and no utilization reporting, with 47,000+ free ATMs and dual FDIC/OCC backing. The only friction weighing on the score is the entry requirement, a Chime Checking account with a $200+ direct deposit, but otherwise it is the cleanest cost-risk profile in the group.
Here the verdict flips: however free and well-built, it remains a custodial, full-KYC card, FDIC/OCC-regulated and tied to a US bank account, with no self-custody or on-chain settlement. Being free does not move the needle on this lens, because privacy and independence from the intermediary remain absent.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Chime Card a safe card?
Chime Card is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Chime Card cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Chime Card offer cashback?
Yes: cashback goes up to 1.5%, depending on the tier.
Is Chime Card available in Italy?
No, Chime Card is not currently available in Italy.
Is Chime Card custodial or self-custody?
Chime Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Variante credit builder.apr pct min · Variante credit builder.apr pct max Data verified on Jun 14, 2026
- bankrate.com Variante credit builder.credit limit eur max Data verified on Jun 14, 2026
- en.wikipedia.org Founders · Legal name · Company type · Stock ticker · +6 Data verified on Jun 14, 2026
- nerdwallet.com Cashback Data verified on Jun 14, 2026
Show 2 more sources
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- techcrunch.com Founders · Annual cost · Variante credit builder.collaterale crypto · Variante credit builder.apr pct min Data verified on Jun 13, 2026