A new way
to build credit

When you sign up for a Chime Card, you will also get a Chime Checking Account and a Chime Secured Deposit Account (SDA). As you fund your checking account, this money is automatically transferred to your SDA, which sets your spending limit on the Chime Card.⁴ How much you can spend is shown to you as “Available” balance in the Chime app.¹⁰

When you sign up for Chime Card, you will also get a virtual Chime Visa^® Debit Card that you can access in  your app. When it’s time to make a purchase, you can choose which card to use: Chime Card to build credit and earn cash back, or your debit card. In your app, you will always see one single “Available” balance that reflects how much money you have to spend. There’s nothing complicated here: as you spend, no matter which card you use, your available balance updates to reflect your spending. The Chime Card makes spending on either debit or credit seamless and convenient.

The Chime Card helps reduce your risk of debt, since you are using your own money and you can always see exactly how much you have available to spend.

The Chime Card is a secured credit card. That means the money you add to your Chime secured deposit account is the amount you can spend on the card.³ Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since the Chime Card doesn’t have a pre-set limit, spending up to the amount you added to your secured deposit account won’t contribute to a high-utilization record on your credit history.

The Chime Card helps reduce the risk of overspending and can help you build credit history with no annual fees and no interest.¹ There’s also no credit check to apply!

Yes, the Chime Card is a secured credit card. The money you add to your account sets the credit limit for how much you can spend with the card.⁴ With Safer Credit Building, you can pay off your balance automatically, and you never spend more than you have in your SDA. Like other secured credit cards, the Chime Card also reports to the major credit bureaus, to help you build credit history over time. Learn more about secured credit and how it works here.

You could get a Chime Card in less than two minutes!⁷ Share some information with us here to get started.

No way! We think everyone deserves a chance to build credit history. There is no impact on your credit scores when you apply for a Chime Card.⁷

Nope! We do not charge recurring fees; no annual fees, maintenance fees, international fees, and no interest.¹ Learn more here.

Consistent use of the Chime Card can help you build on-time payment history, increase the length of your credit history over time, and more.³ With the Chime Card, Chime will report your monthly payments to the three major bureaus – TransUnion^®, Experian^®, and Equifax^®. We report your highest balance, your payment amount, and payment date. Utilization is not reported for your Chime Card. Chime Card can help you build credit through a history of on-time payments.³ Please note that activity on other credit accounts may also impact results and credit score improvement is not guaranteed.

The Chime Card doesn’t have a pre-set credit limit. Instead, when you sign up for a Chime Card, a Checking Account, and a Secured Deposit Account will also be opened. First, you will be asked to fund your Checking Account. This money is automatically transferred to your Chime Card Secured Deposit Account (SDA) which sets your spending limit on the Chime Card.⁴ How much you can spend is shown to you as “Available” in the Chime app.⁹

Nope. We don’t report percent utilization to the major credit bureaus because Chime Card doesn’t have a pre-set limit. That means spending up to the amount you added to your account will not show a high-utilization card on your credit history. So rest assured: you can use your Chime Card for everyday spending and on-time payments count towards building credit each month!³

The Chime Card is a great way to spend because you can build credit and earn rewards with everyday purchases. You can swipe in person, use online, and even withdraw cash from ATMs. Want to send someone money using Pay Anyone? No problem, you can send that payment from your Chime account. 

Your virtual debit card can be used for other peer to peer payment apps (Cash App, Venmo), and any other time you think a debit card is more appropriate (e.g., higher discounts at a gas station, or to avoid being charged extra for credit card purchases at certain stores or restaurants). You can request a physical debit card in the Chime app.

Your Chime Card’s available balance will be seamlessly updated as you spend with your virtual debit card.

Yes! SpotMe covers purchases and cash withdrawals made with your Chime Card up to your SpotMe limit, if you’re eligible and have the feature enabled in your app.¹¹ 

If you use SpotMe with Chime Card, Chime will deduct the negative balance from your next direct deposit or transfer funds into your Chime Card Secured Deposit Account, whichever comes first.

Your SpotMe limit is shared between both your Chime Card and your virtual debit card. This applies to both purchases and ATM withdrawals. Note that using SpotMe with Chime Card doesn’t affect your credit scores or credit reporting.

After you enroll, it’ll take on average 7-10 business days for your card to arrive.

It’s easy! Just go to the Chime App > Settings > Chime Card > Activate Card. You can also scan the QR code on the box your card arrives in.

You can use the Chime Card anywhere Visa credit cards are accepted.

For Chime+ members, you’ll earn 1.5% cash back on rotating categories like gas, groceries, restaurants, bills, and more.¹⁰

You can pay off your Chime Card in 3 ways:

When you turn on Safer Credit Building, your repayments happen safely and automatically from the funds in your Secured Deposit Account.³ If you make a purchase, the amount of that purchase will reduce your available spending balance. Then, the money in your Secured Deposit Account is used to automatically pay your monthly balance. This will help you avoid late payments and outstanding balances.

If Safer Credit Building is not turned on, manual payments can still be made at any time by going to Settings → Safer Credit Building → Make a Payment.

ACH Payments can be made from any bank by using Chime Card’s account and routing numbers. To find them, go to Settings → Safer Credit Building → Make a Payment → Paying with another bank.

Consistent on-time payments help build your credit history, and missing a payment or paying late can hurt it. Safer Credit Building is Chime’s autopay feature that will automatically pay your outstanding balance on-time, on its payment date, with funds that have already been set aside to cover your balance.³ It’s the no-sweat way to keep building credit history safely. Safer Credit Building is not a requirement to open and use the Chime Card. You also have the option to pay your Chime Card balance with external funds.  

There are no late fees or interest² for missing Chime Card payments. But if you don’t pay your Chime Card statement balance within 24 days of the due date, your card will be paused — you won’t be able to use it for new purchases until your unpaid statement balance is paid in full. At that point, we may report information about your account to the major credit bureaus. Late payments, missed payments, or other defaults may be reflected on your credit report.

The good news: you can still make a payment. As soon as you pay your full balance, we’ll re-enable your card and update your credit report to show your account is back in good standing.

For The Secured Chime Visa® Credit Card Agreement, please visit:

Bancorp members here.

Stride members here.

Yes! You can use your Chime Card to get cash fee-free at any of our 50,000+ in-network ATMs nationwide.¹ Find in-network ATMs in stores you love like Walgreens, 7-eleven, and more. Go into your Chime App and use the ATM Map to find one closest to you. You can also withdraw cash from any out-of-network ATM, but there’s a $2.50 fee.