Chime Credit Builder Secured Visa® Credit Card review
The Chime Credit Builder Secured Visa® Credit Card is a low-cost card that could make building credit more accessible.
18 min read
Jun 18, 2026
Garrett Yarbrough
Former Writer, Credit Cards
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6Years with Bankrate
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100+Publications written
EXPERTISE
- Credit card
- Rewards credit cards
- Credit card comparisons
- Balance transfer credit cards
- Building credit
EDUCATION
- Bachelor of Arts in English, Certification in Business and Technical Communication, Creative Writing minor | East Carolina University
- Bachelor of Arts in History | East Carolina University
Garrett Yarbrough wrote credit card reviews, comparisons and guides for Bankrate and CreditCards.com. He comprehensively researched the market for more than five years, and specialized in evaluating the potential and personal value of credit cards for real people by providing the most insightful steps toward finding the best credit card — and personal financial growth at the end of the day.
He used his firsthand expertise and years of analysis to write and research for major Bankrate features, including Bankrate’s Best Credit Cards page, the latest credit card points and miles valuations, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ and Approval Odds tools.
Prior to joining Bankrate, Garrett worked as a copywriter at an ad agency, and then as a freelance writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Garrett beyond Bankrate
Beyond Bankrate
Garrett wants you to know
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
Garrett’s recommended readings
How to choose the right credit card
Rethinking credit: Tips for first-generation credit users
How to maximize your credit card rewards
Under-the-radar credit card perks you should know
Merchant category codes: How to earn more cash back
How much are points and miles worth in 2023?
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Garrett's latest articles
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Bank of America® Travel Rewards Credit Card for Students review
This is one of the best (and only) travel rewards cards for students, but its streamlined structure doesn’t offer many bells and whistles either.
6 min read Jun 18, 2026 -
Capital One Spark Miles For Business Review
The Spark Miles card is a fantastic option for small business owners looking for a flat-rate card with simple, unlimited travel rewards.
11 min read Jun 18, 2026 -
Upgrade Elite Cash Rewards Visa® Review: Contender for best flat cash back rate and long-term purchase payoffs
This hybrid credit card/personal loan packs in plenty of features and could be a standout option for rewards seekers looking for an easy-to-use flat-rate card
17 min read Jun 17, 2026 -
Mission Lane Green Line Visa® Credit Card review: A bare-bones credit-building option
Though it's relatively low-cost for an unsecured credit-building card, the Mission Lane Visa is pricier than most secured cards.
9 min read Jun 17, 2026 -
Bank of America® Unlimited Cash Rewards credit card review
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
13 min read Jun 05, 2026 -
Credit Utilization Calculator
Our credit utilization calculator quickly determines your ratio of available credit and delivers the next steps to improve your credit score.
3 min read Jun 05, 2026 -
Chase Freedom Flex Review
The Chase Freedom Flex card is at the top of the cash back game. Its familiar rotating categories are paired with year-round earning categories to ensure maximum rewards.
10 min read Jun 05, 2026