DOES ENTERPRISE TAKE CHIME CREDIT BUILDER CARD

Last updated: June 19, 2025, 19:22 | Written by: Olaf Carlson-Wee

Picture this: you're planning a family road trip, needing a reliable SUV from Enterprise, but the only credit card you have is your Chime Credit Builder card. Enterprise rental car outlets accept both the Chime Debit and Chime Credit Builder, which makes it easy for you to rent a car without having to carry around cash or other cards. However, you may encounter some locations that flat-out refuse to take it.Anxiety kicks in.Will Enterprise accept it?Will your vacation plans be derailed?In today's world, alternative banking solutions like Chime are becoming increasingly popular, particularly for those looking to build or rebuild their credit. See full list on enterprise.comThe Chime Credit Builder Visa Credit Card offers a pathway to financial stability without annual fees, interest, or credit checks.But its acceptance at traditional establishments, especially car rental agencies like Enterprise, can be a source of confusion and uncertainty.This comprehensive guide aims to unravel the mystery surrounding Enterprise's acceptance of the Chime Credit Builder card, providing you with the information you need to confidently rent a car and hit the open road. It s important to distinguish between Chime s two credit card offerings: the Chime Credit Builder and the Chime Credit Card. The Chime Credit Builder is designed to help users establish or improve their credit history. It functions as a secured credit card, meaning your credit limit is backed by a cash deposit you make.We'll explore the intricacies of using your Chime card, potential challenges, and alternative solutions, ensuring your travel plans go off without a hitch. The Chime Visa Debit Card and the secured Chime Credit Builder Visa Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A, pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see back of your Card for its issuing bank.This is a must-read for anyone considering using their Chime Credit Builder card for an Enterprise rental.

Enterprise Car Rental and Chime: Understanding the Basics

Navigating the world of car rentals can be tricky, especially when it comes to payment methods. This is another reason why you may encounter difficulties when renting cars using the Chime Credit Builder Card. Car Rental Companies That May Accept Chime Cards: Enterprise, Turo, Budget, Hertz, Thrifty, Avis, Dollar, and Sixt. Let s find who does accept Chime cards and who doesn t presently. Does Enterprise Accept Chime Debit Card orMajor car rental companies, including Enterprise, generally prefer traditional credit cards.However, the landscape is evolving, and many are now accepting alternative payment options. Does Enterprise Accept Chime Debit Card / Credit Card. In general, Enterprise rental car outlets accept both the Chime Debit and Chime Credit Builder. Many users have had a better success rate in getting their Chime Cards to work at Enterprise Car rental, as compared to their peers.To understand if Enterprise accepts the Chime Credit Builder card, it's essential to first understand the card itself and how car rental agencies view it.

What is the Chime Credit Builder Card?

The Chime Credit Builder Visa Credit Card is a secured credit card designed to help users establish or improve their credit history. Chime Credit Builder Secured Visa Credit Card : The secured credit card from Chime has no annual fees, no interest, ⁴ no minimum security deposit, and does not require a credit check to apply. Capital One Platinum Secured Credit Card: This secured credit card from Capital One has no annual fees and allows for a refundable, flexibleUnlike traditional credit cards, your credit limit is secured by a cash deposit you make. If you d prefer a more traditional car rental agency or can t find a Turo rental that suits your needs, Enterprise will accept Chime cards for most rentals. Note that airport locations tend to have stricter payment policies and requirements than non-airport agencies.This deposit acts as collateral, reducing the risk for the issuer and making it easier for individuals with limited or poor credit to get approved. The secured Chime Credit Builder Visa Credit Card empowers qualifying Chime members to build credit with no annual fees or interest. Just fund the Credit Builder secured deposit account with a security deposit, swipe the credit card on everyday purchases, and make on-time payments each month to help build your credit.⁴ Plus, with SpotMe, access coverage up to $200 when you useKey features of the Chime Credit Builder card include:

No annual fees
No interest charges
No credit check required to apply
Reports to major credit bureaus
Secured by a cash deposit

Because it's a Visa card, it is accepted anywhere that accepts Visa cards.

Why Car Rental Companies Prefer Credit Cards

Car rental companies like Enterprise typically require a credit card for several reasons:

Security Deposit: The credit card allows the rental company to place a hold for a security deposit, covering potential damages, late returns, or additional charges.
Collateral: The credit card serves as collateral, ensuring the customer fulfills the rental agreement's obligations.
Ease of Payment: Credit cards offer a convenient and secure way to process payments for the rental and any associated fees.

However, the Chime Credit Builder card functions a bit differently, which can sometimes lead to confusion or rejection at rental counters.

Does Enterprise Officially Accept the Chime Credit Builder Card?

The short answer is yes, Enterprise generally accepts the Chime Credit Builder card.Since the Chime Credit Builder card is a Visa card, it's *usually* treated as a standard credit card. When using a chime credit card, it is important to keep in mind that there may be a hold placed on the card for the entire amount of the rental. This is to ensure that if any damages occur, the cardholder is responsible for paying for them.According to Enterprise's official policies and user experiences, the Chime Credit Builder card *should* be accepted at most locations.However, there are nuances to consider.

Factors Affecting Acceptance

While Enterprise's general policy allows for the acceptance of Chime Credit Builder cards, several factors can influence whether a specific location will accept it:

Location Policies: Airport locations often have stricter payment policies and requirements compared to non-airport agencies. Chime RENTING A CAR WITH A SECURED CREDIT CARD FROM CHIME. ENTERPRISE CAR RENTAL.FREE $100 SAVE 20% HEREThey might require a traditional credit card with a higher available credit limit.
Franchise vs.Corporate Locations: Some Enterprise locations are independently owned franchises, which may have their own specific payment policies that differ from corporate-owned locations.
Available Funds: You must have sufficient funds on the card to cover the rental cost and the security deposit.
Employee Discretion: In some cases, the acceptance of a Chime Credit Builder card may depend on the individual employee's knowledge and understanding of the card.

Therefore, it’s always recommended to contact the specific Enterprise location directly to confirm their payment policies before your rental date.This can save you from unexpected surprises and potential delays.

Navigating the Rental Process with a Chime Credit Builder Card

If you plan to use your Chime Credit Builder card at Enterprise, here are some tips to ensure a smooth rental experience:

Confirm with the Location: Call the Enterprise location in advance to confirm they accept the Chime Credit Builder card.Ask about any specific requirements or restrictions.
Sufficient Funds: Ensure your card has enough available funds to cover the estimated rental cost, including taxes and fees, as well as the security deposit. Chime also offers a Credit Builder Visa Credit Card. Although this functions more like a secured credit card, resembling a traditional credit card, its acceptance might differ from the standard Chime debit card.This is crucial as the card functions as a secured card, and exceeding the available funds will result in a declined transaction.
Bring Additional Documentation: Carry additional forms of identification, such as a driver's license and proof of insurance, to support your rental application.
Be Prepared for a Hold: Understand that Enterprise will likely place a hold on your card for the security deposit amount. The information about the following cards has been independently collected by WalletHub: Secured Chime Credit Builder Visa Credit Card, Revvi Card, Total Visa Card, and Milestone Mastercard .This hold can take several days or even weeks to be released after you return the vehicle.
Consider a Backup Payment Method: While Enterprise generally accepts the Chime Credit Builder card, it's always wise to have a backup payment method, such as a debit card from a traditional bank, in case of unexpected issues.

Dealing with Potential Issues

Even with careful preparation, you might encounter issues when using your Chime Credit Builder card at Enterprise.Here's how to handle some common scenarios:

Card Declined: If your card is declined, first ensure that you have sufficient funds available. Does Enterprise accept Chime Credit Card. Yes, Enterprise accepts Chime credit builder cards as well. Moreover, according to the official blog post, Enterprise supports all significant VISA, MasterCard, American Express, and Discover Network cards. And Chime credit card is a Visa based card.If you do, contact Chime customer support to investigate the issue.The card may have been flagged for security reasons.
Location Refusal: If the Enterprise location refuses to accept your Chime Credit Builder card despite their general policy, politely ask to speak with a supervisor. Limited acceptance: While Enterprise does accept chime credit cards, not all rental companies may have this option available. Potential for additional fees: If using a prepaid chime card, there may be additional requirements and fees associated with the rental process.Explain that the card is a Visa credit card and should be accepted. With the Chime Credit Builder Secured Visa Credit Card⁵, you can work on establishing credit and growing your scores safely. The Chime Credit Builder Secured Visa Credit Card is a secured credit card. That means you ll make a security deposit when opening the card, and this can automatically pay your monthly balance when youIf they still refuse, consider contacting Enterprise customer service to report the issue.
Unexpected Charges: Carefully review your rental agreement and credit card statement for any unexpected charges.If you find discrepancies, contact Enterprise and Chime immediately to dispute the charges.

Remember to document all interactions and keep records of your rental agreement, receipts, and communication with Enterprise and Chime.This documentation will be helpful if you need to file a formal complaint or dispute any charges.

Alternative Car Rental Companies That May Accept Chime

If you encounter persistent difficulties with Enterprise, or if you prefer to explore other options, consider these alternative car rental companies that may accept Chime cards:

Turo: Turo is a peer-to-peer car rental marketplace where individual owners rent out their vehicles. Car rental companies typically require customers to have a credit card when renting a vehicle. This is because the credit card serves as collateral, ensuring the customer will return the car on time and in good condition. However, not everyone has a traditional credit card, and that s where Chime Credit Builder comes in. Chime Credit Read More Does Enterprise Accept Chime Credit Builder?Turo generally accepts Chime cards, but it's always best to confirm with the specific owner before booking.
Budget: While policies may vary, Budget Car Rental may accept Chime cards at some locations. Returned the car on Monday the 12th and recieved my deposit back. On tuesday the 13th, hertz charged my credit builder card an additional 268, which pit my account into the negative. Hertz isnt admitting to its faults, chime does not see where the over charge came from and somehow, i have a secure credit card with a negative balance.Check directly with the rental location.
Hertz: Similar to Budget, Hertz may accept Chime cards at select locations. Chime credit builder renting a car from Enterprise, Hertz, National Car Rental, Alamo Rent-A-Car, and Turo. Yes, Chime Credit Builder card can be used to renContact the specific location to confirm.
Avis: Avis is another major car rental company that *might* accept Chime cards at some locations.Always check with the local office for their policies.

It’s essential to remember that acceptance policies can change and vary by location.Always verify the payment policies directly with the rental company before making a reservation.

Chime Debit Card vs.Chime Credit Builder Card: The Difference Matters

It's important to distinguish between the Chime Debit Card and the Chime Credit Builder Card. Chime is considered prepaid, so you need another debit card or credit card. It s always best if you can, get a secured credit card (not Chime) and have a security deposit ready. Most credit cards come with rental car coverage. Chime doesn t have that.While both are issued by Chime and can be used for purchases, they function differently and may be treated differently by merchants, including car rental companies.

Key Differences:

Chime Debit Card: This card is linked directly to your Chime Checking Account.Transactions are deducted directly from your available balance.While some locations might accept it, many car rental companies, especially airport locations, prefer credit cards due to security deposit requirements.
Chime Credit Builder Card: This is a secured credit card designed to help you build credit.It functions more like a traditional credit card, with a credit limit secured by your cash deposit. You can use your Credit Builder card at car rental companies and hotels. Sometimes, these merchants will charge a higher amount upfront in case other costs come up - like a security deposit. It can take up to 30 days for these funds to be released back to your card.This card is *more likely* to be accepted by car rental companies than the debit card.

Always clarify which card you are using when making inquiries with Enterprise or other rental companies to avoid confusion.Using a secured card helps alleviate concerns for rental companies.

Building Credit While Renting: A Smart Strategy?

Using your Chime Credit Builder card for car rentals can be a strategic way to build credit while taking care of your transportation needs. Therefore, places that accept credit cards would also accept Chime Credit Card since it is indeed a credit card. So as long as there's enough money on the card to cover the whole total amount of the deposit and rental costs, it's the same as any other credit card. There shouldn't be any issues with that then, since in the end money talks.By making timely payments on your rental and keeping your credit utilization low, you can demonstrate responsible credit management and improve your credit score. It works like a secured credit card where you cannot exceed the funds you hold in your secured account, which is why you may face issues when renting a car using Chime Credit Card. Does Chime run as a credit card? Chime offers the Chime Credit Builder Visa Credit Card, a secured credit card issued by Stride Bank. It works differently fromHowever, it's essential to be mindful of a few factors:

Credit Utilization: Keep your credit utilization low by only charging a small portion of your available credit limit to the card.Aim to keep your balance below 30% of your credit limit.
Payment History: Make on-time payments every month to avoid late fees and negative marks on your credit report. Credit or debit card (check the acceptable forms of payment at the location you re renting from) Additional items to consider prior to picking up your rental car: After-hours drop-off availabilityConsider setting up automatic payments to ensure you never miss a due date.
Reporting to Credit Bureaus: Verify that Chime is reporting your credit activity to the major credit bureaus (Experian, Equifax, and TransUnion).This is crucial for building credit.

Always use your Chime Credit Builder card responsibly and avoid overspending.Building credit takes time and consistent effort.

Understanding Holds and Deposits with the Chime Credit Builder Card

When renting a car with any credit card, including the Chime Credit Builder card, car rental companies typically place a hold on the card for the security deposit amount.This hold reduces your available credit and can affect your spending limit until it is released. Does any car rental places take a chime debit card because I called enterprise and Hertz rental and they don t do that we desperately need to rent a SUV third row for this weekend for our family tripHere's what you need to know about holds and deposits:

Hold Amount: The hold amount can vary depending on the rental company, the type of vehicle, and the length of the rental. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDICIt's often equal to the estimated rental cost plus an additional amount to cover potential damages or fees.
Hold Duration: The hold can remain on your card for several days or even weeks after you return the vehicle.The exact duration depends on the rental company's policies and your bank's processing times.
Impact on Spending Limit: While the hold is in place, the held amount is not available for you to use. How to get a Chime Credit Builder card. To get a Chime Credit Builder card, you have to open a Chime Checking Account. Then, you need to set up direct deposit. Once you receive your first qualifying direct deposit of $200 or more, you ll be eligible to apply for Credit Builder. When you re ready, just apply in the app!This can limit your spending ability, so it's essential to plan accordingly.

Before renting, inquire about the estimated hold amount and duration. Does Enterprise Accept Chime?: A Comprehensive Guide Unraveling the Mystery: Does Enterprise Accept Chime? If you re a proudThis will help you manage your finances and avoid any unexpected surprises.

Chime Alternatives for Car Rentals

If you encounter persistent issues with using your Chime card for car rentals, or if you're simply looking for more reliable options, consider these alternatives:

Traditional Credit Card: If possible, obtain a traditional credit card from a major bank.These cards are widely accepted and offer benefits such as rewards, travel insurance, and purchase protection.
Secured Credit Card (Non-Chime): Other secured credit cards, such as the Capital One Platinum Secured Credit Card, may offer better acceptance rates and more flexible terms than the Chime Credit Builder card.
Debit Card from a Traditional Bank: While not always accepted, a debit card from a traditional bank may be accepted at some rental locations, especially if you also provide proof of insurance and a valid driver's license.

Building a good credit history and establishing a relationship with a traditional bank can open up more financial opportunities and make it easier to rent a car.

User Experiences and Anecdotes

Real-world experiences can provide valuable insights into using the Chime Credit Builder card for car rentals.Here are a few anecdotes from Chime users:

Positive Experience: ""I was able to rent a car from Enterprise using my Chime Credit Builder card without any issues. The Chime Visa Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.I called ahead to confirm their policy and made sure I had enough funds to cover the rental and the deposit.""
Mixed Experience: ""I tried to rent a car from Enterprise at the airport, but they wouldn't accept my Chime card. Unfortunately no. Chime s cards are considered to be prepaid cards by most of them, rather than credit or debit cards. Just go back to enterprise. Also, I d look into opening a fee free checking account over and Capital One, Ally, SoFi, Discover, etc. and getting a debit card from them.I ended up having to use my debit card instead.It was a bit frustrating.""
Negative Experience: ""I rented a car from Hertz using my Chime Credit Builder card, and they charged me an additional $268 after I returned the car. Limited acceptance: While Enterprise does accept Chime as a form of payment, not all car rental companies do. This may limit your options if you prefer using Chime for all your purchases. No rewards: Unlike some credit cards, using Chime at Enterprise will not earn you any rewards or points towards future rentals.Chime couldn't resolve the issue, and now I have a negative balance on my secured card.""

These experiences highlight the variability of Chime card acceptance and the importance of being prepared for potential issues.Always do your research and have a backup plan.

Frequently Asked Questions (FAQs)

Q: Can I use my Chime Debit Card to rent a car from Enterprise?

A: While some Enterprise locations might accept debit cards, many prefer credit cards, especially at airport locations.It's best to call ahead and confirm.

Q: What if Enterprise refuses to accept my Chime Credit Builder Card?

A: Politely ask to speak with a supervisor, explain that the card is a Visa credit card, and should be accepted.If they still refuse, contact Enterprise customer service to report the issue and consider alternative rental companies.

Q: How long does it take for the security deposit hold to be released from my Chime Credit Builder Card?

A: The hold duration can vary, but it typically takes several days or even weeks.Contact Enterprise and Chime if the hold is not released within a reasonable timeframe.

Q: Can I use my Chime Credit Builder card to pay for additional rental fees or damages?

A: Yes, as long as you have sufficient funds available on your card.

Conclusion: Navigating Car Rentals with Your Chime Card

While the Chime Credit Builder card offers a convenient way to build credit, its acceptance at car rental companies like Enterprise can be inconsistent.Although Enterprise generally accepts the Chime Credit Builder card because it operates on the Visa network, it's crucial to confirm with the specific location, ensure sufficient funds are available, and be prepared for potential issues.Have a backup payment method and thoroughly review your rental agreement to avoid unexpected charges.By following these tips, you can increase your chances of a smooth and stress-free rental experience.Building credit and renting a car don't have to be mutually exclusive; with the right preparation, you can achieve both.Remember that experiences can vary, and it's always best to be informed and proactive.If all else fails, exploring alternative rental companies or traditional credit card options may be necessary.Consider opening an account with Capital One, Ally, SoFi or Discover.Your travel plans are important, and with this knowledge, you can navigate the car rental landscape with confidence.The key takeaway is: **always call ahead to confirm with the specific Enterprise location** whether they accept the Chime Credit Builder card.Doing this one thing can save you a lot of hassle!Safe travels!