Key takeaways
Activating your Chime Card™ allows you to start safely building your credit.1
To activate your Chime Card, use the Chime app, scan the QR code on the envelope your Chime Card arrives in, or call Chime.
Once activated, you can use your Chime Card anywhere that Visa credit cards are accepted.
Looking for a safe way to boost your credit score? Meet the Chime Card: 0% interest2, up to 5% cash back,3 and 100% made for you.
The Chime Card is a secured credit card that combines the best features of credit and banking. There's no interest, annual fees, or credit check, and you can earn 5% cash back3 on rotating categories when you set up qualifying direct deposits.4
If you're ready to activate your Chime Card, we've got you covered. Find out how to activate your Chime Card through the Chime app or over the phone so you can start building your credit today!
How to activate your Chime Card in the app
If you want to activate your Chime Card in the app, follow these steps:
Step 1: Download the Chime App
Go to the Google Play Store or Apple App Store to download the Chime app. Once downloaded, open the app on your phone.
Step 2: Log in to the app
Log in to the app using the username and password you created when you signed up for Chime.
Step 3: Go to settings
Go into the settings menu and tap "Chime Card".
Step 4: Tap "Activate"
Tap the green "Activate" button, and you're ready to go. Your card is now active, and you can start building your credit and access features like checking your FICO® score5 in the Chime app for free.
How to activate your Chime Card with a QR code
You can also activate your Chime Card using a QR code.
When you receive your physical Chime Card in the mail, just scan the QR code that's on the envelope and follow the prompts.
How to activate your Chime Card over the phone
Can you activate your Chime Card over the phone? Of course!
If you can't access the Chime app or you'd prefer to activate your Chime Card over the phone, follow these steps:
Step 1: Call Chime at 1-844-244-6363.
Step 2: Follow the steps as prompted. You'll be asked to verify your identity and card number, and to create a PIN.
Get the most from Chime Card
While all members will have access to Chime's standard features, those who regularly direct deposit with Chime can unlock additional benefits through Chime Plus and Chime Prime.
Chime Plus
When you make a qualifying direct deposit of $200 or more into your Chime account, you're automatically upgraded to Chime Plus.4
Chime Plus members unlock the best of banking, including:
2% cash back on rotating categories like gas, groceries, restaurants, bills, and more.
Access to MyPay®: Request up to $500 of your next pay before payday.6
SpotMe®: overdraft up to $200 with no fees.7
Earn up to 3.00% APY on your Chime high-yield savings account.8
Chime Prime
Chime Prime is Chime's top membership tier, built for members who really live in their Chime account day to day. To unlock Chime Prime, you'll just need to direct deposit at least $3,000 over the span of 34 days.4
With Chime Prime, eligible members will keep everything they get with Chime Plus, and gain access to additional benefits, such as:
Instant MyPay®: Instead of waiting the usual 24 hours to receive your MyPay payment, Chime Prime members can receive up to $100 instantly.
5% cash back on member-selected categories
Higher APY: With Chime Prime, our members receive 3.75% APY8 on their Chime savings account.
Instant Loans: We've all been in situations where we need a bit of cash. Eligible Chime Prime members receive access to loans of up to $1,000, with up to $100 being available instantly.9
Premium perks: Enjoy exclusive travel and lifestyle perks like a Complimentary Priority Pass™ membership10, Visa luxury hotel benefits11, and access to the Visa Signature Concierge12.
Start using your Chime Card now
Now that you've activated your Chime Card, you can start using it right away. You can use your card anywhere that Visa credit cards are accepted.
As a Chime member, you can take advantage of over 47,000 fee-free ATMs,2 cashback on everyday purchases, and fee-free overdraft.7
Activate your Chime Card today and start building your credit!