Chime Credit Builder Secured Visa vs. Earnest Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Chime Credit Builder Secured Visa
Chime
4.4
No interest, no fees, no minimum deposit secured card. Build credit with money you already have.
Full review →WealthSpott Verdict
Chime Credit Builder Secured Visa wins on more measurable categories — particularly on rate and cost. Earnest Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
Chime Credit Builder
Earnest Student Loan
APR Range
0.00% – 0.00% Best
4.96% – 9.99%
Loan Amount
$0 – $10,000
$5,000 – $500,000 Best
Term Length
1–24 months
60–240 months
Origination Fee
No fees; no interest
None
Min Credit Score
0+ Best
650+
Funding Speed
Immediate secured card access
2–3 weeks
Chime Credit Builder Secured Visa
Earnest Student Loan Refinance
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