Log in
Key takeaways
- New Chime members can sign up for a Chime Checking Account and the secured Chime Visa® Credit Card.
- During signup, choose your Chime Card color – black, evergreen, or a premium titanium card.
- Start using your virtual Chime Card immediately and add it to your Apple Wallet® or Google Wallet®.
- Members see a one balance view, so you can spend what you put in from either credit or checking.
Looking for a card that helps you safely build credit,1 earn 1.5% cash back rewards,2 and skip the annual fees?
It might sound too good to be true, but it’s real. Chime Card is here, and it rolls all the best credit and banking features into one card.
Chime Card reports to all the major credit bureaus to help you grow your credit history over time.1 0% interest,3 1.5% cash back on rotating categories,2 and access to cash at over 47,000 fee-free ATMs.4
Keep reading to learn how to get a Chime credit card.
How to get Chime Card
If you’re new to Chime, welcome!
To sign up for Chime Card, you’ll need to open an account through Chime.5 Don’t worry, it’s easy to sign up.
During signup, select Chime Card to earn cash back2 and build credit.1 Then you can choose the Chime Card color for you – black, evergreen, or upgrade to a premium titanium card for $50 plus applicable taxes.
That’s all it takes to get your hands on Chime Card. You don’t have to worry about it affecting your credit scores when you apply – there’s no credit check.
How to start using your Chime Card
When you sign up for Chime Card, you get a Chime checking account, a secured deposit account, and a credit line account, which is your Chime Card. Money added to Chime Card goes to your Checking Account and is automatically transferred to your Chime Card Secured Deposit Account.
Once you’re signed up, you can start using your virtual Chime Card as soon as you fund your account. You can add your Chime Card to your Apple Wallet or Google Wallet, and you can access your virtual Chime Card and virtual debit card details directly in the Chime app.
If you’re wondering how long it takes to get Chime Card, you can expect the physical card to arrive in 7 to 10 business days.
Once your card arrives, you’ll just need to activate your Chime Card. There are a few simple ways to activate:
- Activate your Chime Card in the Chime app
- Scan the QR code on the envelope that your card arrives in
- Call Chime at 1-844-244-6363
How to fund your Chime Card
When you set up your Chime Card, you’ll also get a Chime Checking Account and a Chime Secured Deposit Account (SDA).
These accounts work seamlessly together to help you build credit safely1 with your own money. Your Available balance includes money in your Secured Deposit Account that you can spend using your debit card or Chime Card. It does not include balances in Savings accounts.
Whenever you spend using your debit card or Chime Card, the transaction amount is deducted from the Available balance.
What you’ll see in the app is a single account view of your Available balance in the Secured Deposit Account.6 The amount of money in your Secured Deposit Account acts as your spending limit on your Chime Card.7
For example, if you have $500 in your account, you can spend up to $500 on everyday purchases like gas, groceries, streaming services, and any purchases you need to make anywhere Visa credit cards are accepted.
You can move funds into your account in a few ways:
- Move money with Apple Pay®.
- Transfer money from a debit card (with no fees!)
- Send money using a payment app like PayPal® or Venmo®.
- Deposit cash8 at over 100,000 locations – just look in the Chime app.
Once your account is funded, you can start to build credit safely as you spend with your Chime Card, and we take care of the rest.
How to get Chime Card if you’re a Chime member
If you’re already a Chime member, how can you switch from The secured Chime Credit Builder Visa® Credit Card to Chime Card?
We’re hard at work building a simple path to switch from Credit Builder to Chime Card. Check back soon for details so you can unlock the best of banking with Chime Card, the next generation of Credit Builder.
If you only have a Chime checking account, you can sign up for Chime Card today, directly in the app!
Are you ready to sign up for Chime Card?
Our new Chime Card is the ultimate way to help build credit1 and unlock financial progress™.
When you sign up for Chime Card and become a Chime+ member by setting up direct deposit,‡ you can take advantage of even more benefits like unlimited 1.5% cash back on rotating categories,2 fee-free banking,** up to 3.75% APY9 when you open a high-interest savings account, and access to MyPay®10 and SpotMe®11.
Unlock the perks of credit and the best of banking: sign up for Chime Card today.
Frequently asked questions
Looking for more information on how to get Chime Card? Check out the following answers to some of our most frequently asked questions.
When can I sign up for Chime Card?
If you are joining Chime today, you can sign up for Chime Card right away. If you’re currently a Chime member, check back soon for how to switch to Chime Card.
How to get a Chime metal card?
When you sign up for Chime Card, you can choose to upgrade to a premium Titanium color. This card costs $50 plus applicable taxes.
Why can’t I get Chime Card?
If you’re experiencing issues with signup, double-check that the personal information you’ve provided is correct. Confirm your name, email address, and any other relevant information to make sure there are no errors.
At this time, you must have a social security number, valid U.S. address, and be 18 years or older to open a Chime Account. If you live outside the U.S. or are under 18 years old, you can’t apply for Chime Card.
In some cases, the issue might be an error caused by Chime’s information verification system. If you’re sure you’ve entered your personal information correctly and meet the eligibility requirements but still can’t get Chime Card, visit our Help Center to find a possible solution.