Chime Card (Secured Visa Credit Card) review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Chime Card is a debit Visa card with a monthly fee of $0, so it suits anyone who wants everyday spending without paying a recurring charge. Support runs on chat and help centre, so if you want a phone line for an account problem, Monzo Flex or Wise is the place to look.
Pros and cons
Pros
- A monthly fee of $0 on a debit card, so the running cost is easy to hold in mind.
- Runs on the visa network, the more common card network on the site at 57.6%.
- The monthly fee sits at the site median of €0, so opening the card carries no premium over the typical price.
Cons
- Support runs on chat and help centre only, with no phone line listed.
- The listed price covers the monthly fee of $0, so cash withdrawals and currency conversion are worth checking before you rely on the card.
Who it suits
- People who want a debit card for day to day spending and would rather avoid a recurring charge of $0.
- Visa users who are content to get answers through chat and help centre.
- Anyone paid in US dollars, since the fee is listed in that currency.
Who should look elsewhere
- Readers who want a phone line for urgent account problems, since support here runs on chat and help centre and Monzo Flex or Wise is the better first check.
- Euro spenders comparing card currencies, since Bitpanda lists a monthly fee of €0 in euros against $0 here.
How Chime Card (Secured Visa Credit Card) compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Its card carries a monthly fee of €0 in euros, which suits readers whose spending happens in euro rather than dollars.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where Chime Card (Secured Visa Credit Card) is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Chime Card cost to keep each month?+
The monthly fee is $0 on a debit card that runs on the visa network. Set against the site median monthly fee of €0, that sits at the cheapest end of the range, so the card suits readers who do not want a recurring charge on the account.
Is the Chime Card a debit card or a credit card?+
The card type is listed as debit, so spending comes out of the balance you already hold. Debit cards account for 73.4% of the cards on HodlCue, which makes this the common choice rather than the unusual one, and it suits people who would rather not juggle a borrowing balance.
Which network does the card run on?+
The card runs on the visa network. Across the site, 57.6% of cards sit on that same network, so you are choosing the more widely used option rather than a minority one. It is worth knowing which networks your regular shops accept before you add another card to your wallet.
How do I get help from Chime Card?+
Support is listed as chat and help centre, so help runs through chat or the help centre. Across the site, 44.7% of cards include phone support and 34.9% include chat, so this is a narrower set of channels than readers get from most of the cards listed here.
Who is the Chime Card aimed at?+
It suits people who want a debit card for everyday spending, a monthly fee of $0 and help through chat and help centre. The fee is listed in US dollars, so it fits US spending patterns more closely than the euro or sterling pricing you will see on some other cards in this comparison.
How does it compare with Monzo Flex and Wise on fees?+
Monzo Flex lists a monthly fee of £0 and Wise lists £0, against $0 here, so the monthly fee says little about which brand is cheaper. On this measure the card ranks 1 of 379 brands, so pick on network, currency and support instead.
What about cash withdrawals and currency conversion?+
The card's own listed price is a monthly fee of $0. For wider context, the median free cash withdrawal allowance across the site is €0 and the median conversion fee is 1%, so it is worth confirming what this card charges for cash and foreign purchases before you rely on either.
How does the card score on cost?+
HodlCue gives it a cost score of 6 out of 6 overall, which places it in the middle of the range rather than at the top. That fits a brand whose headline price is a monthly fee of $0 on a debit card.
Sources
- help.chime.com/does-chime-charge-fees-6393d58b checked September 26, 2026
Backs: Support channels
“Chat with us in the Chime app”
- chime.com/join/campaigns/debit-credit checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“Use your Chime debit card to withdraw cash at over 47K fee-free ATMs”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Chime Card (Secured Visa Credit Card)
Everyday Visa spending with a monthly fee of $0.