The Chime Secured Credit Builder Credit Building is a secured credit card from Chime Secured Credit Builder. Application typically pulls a credit report from TransUnion. The annual fee is no annual fees. The ongoing APR is No interest (spend from deposit). Rewards: 5% cash back on a category of choice. Typical credit limit: Based on deposit ($200+). This product reports activity to your personal credit report. No credit check, no annual fee, no interest. Move money to Credit Builder account to set your limit. Reports to all 3 bureaus. Best free secured card for building credit from scratch.