The Chime Credit Builder is a secured credit card from Chime Credit Builder. The annual fee is $0. Approval typically requires a credit score of 0 or higher. Rewards: Earn an unlimited 1.5% cash back on rotating quarterly categories if you set up direct deposit into your Chime Checking Account.. Cash back: 1.5% Cashback. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Secured card with no annual fee. Requires Chime checking account with $200+ direct deposit. Accepts ITIN. No credit check. Reports to all 3 bureaus. Use your own money as collateral.