Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Getting cash back on purchases you make every day is like finding a “golden ticket” every time you open the Chime® app.

Next time you’re in the app, you’ll see a new feature called Chime Deals™. It allows Chime members to get cash back at retailers you love for everyday purchases like gas, groceries, and dining out. Specific deals are sourced by our partner, Upside®.

Open the app to see your available deals, activate the one nearest you, swipe or tap any physical Chime card to pay, and get cash back straight to your account. Here’s how it works!

What is Chime Deals?

Chime Deals helps Chime members get cash back at retailers they use every day. Go about your daily routine as usual, swipe or tap any of your Chime cards (credit or debit) to pay for everyday purchases, and see a little return along the way. Your deals travel with you, whether it’s down the road or cross country.

Available deals are shown in the app, so you can’t miss them! We want you to be able to act on any of the deals available at more than 30,000 locations nationwide.

Need to fuel up before work? Check the app, see deals close by via the in-app map, opt-in to a deal in the app you want to take advantage of, use any Chime card at the pump, and get up to $0.22/gallon back on gas.¹ A little money back on gas makes those rising gas prices feel less daunting. If you’re filling up a 10-gallon tank, that’s like $2 back in your pocket. Filling up once a week? That’s nearly $10 a month you could save on gas with Chime Deals.

As for your other regular stops, you could get up to 11% cash back on groceries and 24% cash back at restaurants. Call it a little pep in your step when it comes to combating those grocery bills and treating yourself to that new restaurant down the street.

How to use Chime Deals in the app

Chime Deals is available in your app directly from the Home screen. Just scroll until you see the Chime Deals section. Here’s how you can easily find and activate Chime Deals in the app.

How to use Chime Deals in the app

1. Open the Chime app

On the home screen, you’ll click Chime Deals to see deals nearby via the in-app map – similar to how you use the map to find an ATM near you.

2. Choose and activate a deal

When you locate a deal near you, select the deal and then activate it within the same window.

Pro tip: activate your deal when you’re on your way or almost there to unlock the cash back offer before it expires! There is a specific time window for each deal.

3. Redeem the deal with any physical Chime card

Once you’ve activated the deal, redeem it within the specified window by tapping or swiping your physical Chime® Visa® Debit Card or secured Chime® Credit Builder Visa® Credit Card at the retailer location before the deal ends.

4. Get your cash back!

After using your Chime card, you’ll see cash back deposited directly in your checking account² within 10 business days. That’s money back in your pocket! For full details, head to the Chime Deals terms and conditions.

Where can I use Chime Deals?

With thousands of locations and offers available nationwide, you can easily find Chime Deals for retailers you visit on a regular basis. Just a few examples to put it in perspective:

  • Get $0.10/gallon cash back at Speedway®
  • Receive 10% cash back at Burger King®
  • Earn 6% cash back at PrimoHoagies®

Hop into the app to see real deals near you!

How does cash back work?

Cash back refers to money you earn back on eligible purchases. It doesn’t refer to discounts or saving money; it’s another way to make your spending go further.

To get cash back, you make a purchase with an eligible card and earn a certain percentage back either as a statement credit or direct deposit into your account.

However, some cash back apps may have multiple steps to redeem. For some apps, you may have to upload a photo of a paper receipt or upload an eReceipt, then scan your items while in-store. And in some cases, you’ll redeem your cash back via gift cards, checks, or deposits into a peer-to-peer payment app. Ultimately, cash back apps vary when it comes to payout methods, frequency, and thresholds.

Luckily, with Chime Deals, it’s simple! You check the app for thousands of deals, choose one closest to you, opt-in to the specific deal in the Chime app, swipe or tap any physical Chime card at the chosen retailer (within the offer timeframe), and redeem your cash directly into your Chime checking account – cash that shows up within 10 days.

Chime Deals: your one-stop-shop on everyday deals

While you’re taking care of business day-to-day, get the cash back you deserve. Take advantage of deals at thousands of locations nationwide – all through the app and using any Chime card.

Money back on groceries, gas, and dining out is just a few taps away!


Do I need to have an activated card to use Chime Deals?

Yes, you need an active card to use Chime Deals. If you’re new to Chime, make sure to activate your Chime® Visa® Debit Card or the secured Chime® Credit Builder Visa® Credit Card so you can use Chime Deals!

Can I make purchases with Apple Pay® to redeem deals on Chime Deals?

Not yet! Make sure to swipe or tap to pay with your physical card to redeem your cash back.

Once I activate a deal, how long do I have to redeem it?

The offer window is 4 hours, so be sure to activate your chosen deal when you’re getting ready to leave or are on the way to your chosen retailer!

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Third-party trademarks referenced for informational purposes only; no endorsements implied.

‡ SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

¹ Cash back rates may vary. Check your Chime app for offer details.

² Eligibility requirements and limits apply. For more details, please see the Chime Deals™ Terms and conditions.

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