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Key takeaways
- The secured Chime Visa® Credit Card keeps the best credit-building features of the secured Chime Credit Builder Visa® Credit Card and adds cash back rewards on rotating categories1.
- To switch from Chime Builder to Chime Card, simply open your Chime app and navigate to the ‘Discover More’ section, where you’ll find information to enroll in Chime Card.
- Your Credit Builder card will continue to work while you wait for your new Chime Card to arrive in the mail.
How Chime members can get a Chime Card
Chime members: are you ready to unlock the best of banking with benefits like earning cash back?
Introducing the next generation of Credit Builder, the new Chime Card2 It’s here, and it’s now available to Chime members.
With Chime Card, you earn unlimited 1.5% cash back3 on rotating categories when you have a qualifying direct deposit. You pay no interest4 or annual fees, and there’s no credit check. You can access cash at over 47,000 fee-free ATMs5.
When you upgrade to Chime+6, you get even more benefits like 3.75% APY7 on your savings account.
Keep reading to learn how you can upgrade Credit Builder to the new Chime Card in a few simple steps.
How to switch from Credit Builder to Chime Card
We’re making the switch from Credit Builder to Chime Card easy. We’ll send you an email as soon as you can switch.
If you have a Chime account and only have a debit card, the process to get a Chime Card is the same! You will be able to sign up for Chime Card2 in the app.
When you’re ready, follow these simple steps:
- Enroll. Open your Chime app. On your home screen, you should see info on Chime Card in the “Discover more” section. You can also start the process in the Chime Card email we sent you.
- Choose your card. Pick your card color. Chime Card is available in black and evergreen, or you can choose to upgrade during enrollment to the premium titanium color for $50 plus applicable taxes.
- Confirm your information. Review your name and address in case anything needs to be updated. Then enter your Social Security Number (SSN) to verify your account. Don’t worry – this won’t affect your credit score.
- Accept the terms and conditions. Next, review Chime Card terms of service. If everything looks good, tap “I agree” to proceed.
- Pay for the premium titanium finish (optional). If you choose the titanium color for your Chime Card, you can pay with funds that are already in your account. If you don’t have enough money in your account, don’t worry – you can add more when you check out.
- Set up a qualifying direct deposit to unlock Chime+ benefits. If you aren’t set up for direct deposit, you will have the option to add it during this step and start earning unlimited 1.5% cash back3 on rotating categories as a Chime+ member.6 If you’ve already set up direct deposit with Credit Builder, you’re all set.
What should I do with my old Credit Builder card?
Your Credit Builder card will continue to work with and will function like a Chime Card, including the ability to start earning cash back, while you wait for your physical Chime Card to arrive in the mail.
Once you receive your Chime Card, we recommend that you cut up and dispose of your old Credit Builder card safely to protect your personal and financial information.
You can choose to safely dispose of your debit card and use the virtual debit card for debit transactions, or feel free to keep your debit card on hand for things like debit-only gas purchases.
How to start using your Chime Card
Once you’ve signed up for Chime Card, you can start using the virtual card immediately. You can add your virtual Chime Card to Apple Wallet® or Google Wallet®. You can also access your virtual Chime Card and virtual debit card details at any time directly in the Chime app.
Your physical Chime Card should arrive in 7 to 10 business days. In the meantime, you can keep using your Credit Builder card (and earn cash back if you’re a Chime+ member).
When your card arrives, you’ll need to activate your Chime Card, and there are a few different ways to do so:
- 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 add money to your Chime Card
How to add money to your Chime Card
How to get Chime Card if you’re new to Chime
If you’re new to Chime, you’ll need to open a bank account through Chime. It’s easy and it only takes minutes. During enrollment, you can sign up for a Chime Card.
Switch to Chime Card today
Our new Chime Card is the ultimate way to build credit and unlock financial progress™. Switch to Chime Card to unlock the perks of credit and the best of banking.
Frequently asked questions
If you want more information on how to switch to a Chime Card, check out the following answers to some of our most frequently asked questions.
Why can't I sign up for Chime Card yet?
We’re working hard to make Chime Card accessible to all members soon! Hang in there.
Can I get the Chime metal card?
Yes. During enrollment, you can choose the premium titanium colored card for an extra fee of $50, plus applicable taxes.
How is Chime Card different from Credit Builder?
Great question! Chime Card has the most benefits we’ve offered, all in one card. We’ve kept all the safe credit-building9 features you love, and now you can earn unlimited 1.5% cash back3 on rotating categories when you sign up for qualifying direct deposit.6
With Chime Card, you have access to cash at over 47,000 fee-free in-network ATMs,5 and you can take advantage of features like rent reporting12 to make the most of your credit journey.
With Chime Card, you have a Chime checking account, a Secured Deposit Account (SDA), and a secured line of credit, which is your Chime Card. Money added to your Chime account automatically transfers to your Chime Card Secured Deposit Account8. This account is what acts as your secured line of credit, so you can safely build your credit with on-time payments9.
When you switch from Credit Builder to Chime Card, your existing Chime Checking Account and Chime Secured Deposit Account (SDA) will work seamlessly8 together to help you build credit using your own money – no manual transfers needed! If you don’t currently have a Credit Builder account, you’ll get an SDA account when you sign up.
When you look at your Chime app, you’ll see a single account view of your “Available” balance.10 Your Available balance includes funds 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.
For example, if you have $500 in your account, you can spend up to $500 on debit and Chime Card combined.
There are many ways to fund your account, including:
Once your account is funded, you can continue to build credit safely9 as you spend with your Chime Card. We’ll take care of the rest!