Home › Credit › Credit-builder loans & accounts › Chime Credit Builder vs Kikoff
Both are meant to help build credit history. Here's what Chime Credit Builder and Kikoff each say about cost and reporting.
| Chime Credit Builder | Kikoff | |
|---|---|---|
| What it is | Secured credit card | Credit-builder plans |
| Monthly cost | No annual fee | From $5/mo |
| Other fees / interest | No interest | No interest; no hidden fees (per Kikoff) |
| Reports to | All 3 major bureaus | All 3 bureaus |
| Credit check to apply | No credit check | No credit check |
Sources: Chime Credit Builder page (checked 2026-10-12) · Kikoff page (checked 2026-10-12)
More on Chime Credit Builder · More on Kikoff · All credit-builder loans & accounts
What it is: Chime Credit Builder Secured credit card, Kikoff Credit-builder plans; Monthly cost: Chime Credit Builder No annual fee, Kikoff From $5/mo; Other fees / interest: Chime Credit Builder No interest, Kikoff No interest; no hidden fees (per Kikoff); Reports to: Chime Credit Builder All 3 major bureaus, Kikoff All 3 bureaus; Credit check to apply: Chime Credit Builder No credit check, Kikoff No credit check.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.