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Build or repair your credit with the
Chirp ™ Secured Visa ® Credit Card
A credit card where you make a security deposit to set your credit limit.
No credit check** Available only to existing Chirp accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
No annual fee** Annual Percentage Rate is 22.99% and is accurate as of 8/1/2021. For additional information about Annual Percentage Rates, fees and other costs, see the Chirp Secured Credit Cardholder Agreement and Security Agreement (PDF).
Credit limit starting at $100
Monthly credit bureau reporting
How to get started
Set up direct deposit on your Chirp account.
Receive direct deposits totaling at least $100 in the past 30 days.
Easily apply for a Chirp Secured Visa Credit Card within the app or online.** Additional eligibility criteria may apply.
Activate your card and transfer at least $100 from your Chirp account to make your security deposit and set your credit limit.
How to build credit with the Chirp Secured Visa®Credit Card
Use your card in-store and online
Spend only what you can pay back.
Keep your monthly balance low
Below 50% of your credit limit is a good practice.
Make your payment on time each month
Check the due date in the app or Chirp.com.
We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus.
Watch your credit build
Your credit score can increase with responsible use over time.
Use your card in-store and online
Spend only what you can pay back.
Keep your monthly balance low
Below 50% of your credit limit is a good practice.
Make your payment on time each month
Check the due date in the app or Chirp.com.
We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus.
Watch your credit build
Your credit score can increase with responsible use over time.
Your credit score and why it matters
Credit score
Your credit score is based on a number of factors, which includes payment history, amount owed and length of credit history. With the Chirp Secured Visa Credit Card, you can track your credit score each month with VantageScore® powered by Equifax®. It’s free!
Credit reporting
We report your credit standing to the 3 credit bureaus every month – Experian®, Equifax®, and TransUnion®. A history of good credit standing can help you build credit.
Benefits of credit
A good credit score can help you get lower interest rates from creditors. Good credit can also help when applying for an apartment or a job and may reduce security deposit requirements on new loans or services.