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How to Get the Chime Credit Builder Card Using Your ITIN
Chime Credit Builder is the best free option for ITIN holders — zero annual fee, zero deposit, zero interest. Here is exactly how to sign up and start building credit.
What You Need Before Applying
- Your ITIN number
- Valid photo ID (passport or state ID)
- US mailing address
- Email address
- Phone number (US number)
Step-by-Step Process
Step 1: Open a Chime Checking Account
You must have a Chime checking account first. The Credit Builder card is an add-on feature. Download the Chime app or go to Chime.com and sign up for a free checking account using your ITIN.
Step 2: Receive Your Chime Debit Card
Your Chime Visa debit card arrives in 7-10 days. Activate it and add at least $200 to your account via direct deposit, transfer, or mobile deposit.
Step 3: Activate Credit Builder
Once your checking account is active and funded, open the Chime app. Go to Move Money → Credit Builder. Tap “Activate” and your Credit Builder card will be mailed to you.
Step 4: Move Money to Credit Builder
Transfer funds from your Chime checking to your Credit Builder balance. This balance is what you can spend. There is no traditional deposit — you spend your own money.
Step 5: Use and Build Credit
Spend from your Credit Builder card. At the end of each month, Chime automatically pays your balance and reports the on-time payment to all 3 bureaus.
How Chime Credit Builder Works
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Interest | $0 (you spend your own money) |
| Deposit Required | No traditional deposit |
| Credit Check | None |
| Reports To | Experian, Equifax, TransUnion |
| ITIN Accepted | Yes |
Why Chime Is Different
Unlike traditional secured cards where your deposit is locked, with Chime you move YOUR money to the Credit Builder, spend it, and Chime reports it as an on-time payment. No interest. No fees. No debt.
Tips for Maximum Credit Building
- Move $50-$100 to Credit Builder each month
- Make small purchases throughout the month
- Chime auto-pays your balance — no missed payments possible
- After 6 months, check your score on Credit Karma
→ Compare all ITIN credit cards
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📌 Ready to Apply?
Visit Chime.com or download the Chime app to open your free account.