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No credit check credit cards don’t offer many of the perks and benefits found with traditional credit cards. Still, they are a good option if you have no credit history or if past financial mistakes keep you from accessing credit.

With responsible use and on-time payments, no credit check cards can help you build a positive credit history and boost your credit score, opening the door to better credit and unsecured credit cards with better benefits and perks. Determine your needs and compare options to find the best path toward building credit. Always read the fine print before applying for any credit card.

¹Out of network ATM withdrawal and over the counter advance fees may apply. See here for details.
²To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

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