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The Chime Credit Builder Visa® Credit Card is a secured credit card, meaning that it requires a security deposit as collateral. Unlike traditional secured cards. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from. This card offers a simple, low-cost way to build credit, but it's missing benefits like a rewards program and the opportunity to upgrade to an unsecured card. The secured Chime Credit Builder Visa® Credit Card can help you build credit history when you make on-time payments. It has no interest*, no annual fees, and. The Chime Credit Builder Visa credit card is a no fee secured card that can help you rebuild your credit. No credit check is required.