What is a Chime Card?

Chime Card™ is a secured credit card that helps you build credit⁴ while earning cash back rewards on your spending.² Chime Card combines the best features of banking and credit into a single card that you can use anywhere Visa is accepted.

When you sign up for Chime Card, you get a Chime checking account, a secured deposit account (SDA), 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. There are many ways to fund your account, which we’ll cover below.

Here’s what you get with Chime Card:

• Cash back. You’ll earn unlimited 1.5% cash back on rotating purchase categories every three months when you enroll in direct deposit.¹
• Build credit safely. Chime Card helps you to build credit history using your own money. There are no interest charges¹ or annual fees, no minimum security deposit requirements,⁵ and no credit check needed to apply.
• Access to cash. If you need cash, Chime Card allows withdrawals at more than 47,000 fee-free ATMs nationwide.³
• One balance. Chime simplifies money management, with a single view of your money in the mobile app. You can spend with credit or debit.

You’ll unlock even more features when you direct deposit as a Chime+ member, and existing features get even better:

• Fee-free banking.⁶ Chime charges no monthly fees, overdraft fees, or foreign transaction fees.
• Smart credit tools. Build your score with free FICO^® score⁷ tracking, Experian Boost^®,⁸ and rent reporting⁹.
• MyPay^®. Get up to $500 of your pay before payday,¹⁰ with no interest, credit check, or mandatory fees.¹¹
• SpotMe^®. SpotMe offers access to up to $200 in fee-free overdraft coverage.¹²
• High-yield savings. Grow your money at a competitive rate, with an APY of up to 3.75% on savings balances.¹³
• Member perks. Even more cash back opportunities with Chime Deals,¹⁴ friend referrals, and more.
• 24/7 support. Chime offers around-the-clock support from real people to answer your questions or provide help when you need it.

Deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A., or Stride Bank, N.A., ; Members FDIC¹⁵.

⁶Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more at chime.com/feesinfo.

It‘s easy to get the cash back card you can bank on. Here’s how to get Chime Card.

1. Sign up for Chime. You’ll need to have a Chime Checking account to get Chime Card.¹⁶ To open a Chime account, you need to share your personal details and verify your identity, download the Chime app, and set up direct deposit. Chime accounts are available to people 18 years and older who have a valid U.S. address.
2. Choose Chime Card. Once you’ve signed up, you’ll choose Chime Card. There’s no credit check required. You can then choose between evergreen or black card colors, or upgrade to a premium titanium card for $50 plus applicable taxes.
3. Wait for your Chime Card to arrive. It usually takes 7 to 10 business days for your physical Chime Card to arrive. In the meantime, you’ll have access to a virtual Chime Card and a virtual debit card that you can use to shop online.
4. Fund your account. When you get Chime Card, you get a checking account and a Secured Deposit Account. The money you deposit acts as your card’s credit limit.¹⁷
5. Enroll in direct deposit (Optional). Direct deposit helps you unlock the full benefits of Chime Card, including unlimited 1.5% cash back¹ on rotating purchase categories. You can enroll in direct deposit through the Automatic Setup feature in the Chime app, but it is not required to get the card.

Switching to Chime Card from Credit Builder

We know our members are excited to start earning cash back and to keep building credit safely as you spend.⁴

We’re hard at work building a simple path to switch from Credit Builder to Chime Card. Check your inbox soon for details so you can unlock the best of banking with Chime Card, the next generation of Credit Builder.

Once you are enrolled in Chime+ with your direct deposit, you can start earning cash back on purchases with your Chime Card.

• You can earn unlimited 1.5% cash back¹ on rotating categories every three months. So, if you spend $5,000 on eligible purchases, you could get $75 in cash back.
• The categories include everyday purchases like gas, groceries, restaurants, and utilities. Just navigate to “Deals” in the Rewards Hub of the Chime app to see the current categories.
• Rewards are distributed weekly, and you’ll get a monthly rewards statement that shows how much cash back you earned.

Cash back rewards earned with Chime Card are separate from rewards you earn with Chime Deals.¹⁴ That means you can stack cash back to pile up rewards even faster!

How to view your rewards

You can view your rewards and cash back calendar in the Chime mobile app Rewards Hub. Here’s how to check your rewards.

• Log in to the Chime app and navigate to the Rewards Hub.
• Under your account balance, you should see how much cash back you’ve earned for the quarter.
• Tap the cash back number to see the current quarter’s cash rotating categories. You can also view your transactions in those categories.

The Rewards Hub lets you stay connected to your cash back earnings and view current offers. You can also get a preview of what’s coming soon, which can help you plan future purchases for maximum cash back rewards.

You can use your Chime Card to make purchases anywhere Visa is accepted, including in-person or online. To get started, you’ll first need to fund the card.

Fund your card

You can add funds to your account in a few ways:

• Set up direct deposit.
• 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 cash¹⁸ at over 80,000 locations – just look in the Chime app.

When you log in to the Chime app, you’ll see your single account balance view. This balance reflects the total money you have in your Chime account, which is the amount that’s available to spend with your Chime Card. For example, if your “Available” balance is $1,000, your available credit limit for Chime Card is also $1,000.

Your Available balance includes funds in your Secured Deposit Account that you can spend using your debit card or Chime Card18. 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.

Chime Card only allows you to spend the money you have available, so staying within your “credit limit” is easy.

Spend to build credit

When you spend with Chime Card and make on-time payments, you also build credit.⁴ Chime Card allows you to spend your Available balance and then make payments against it. On-time payments allow you to build and improve your credit safely.

On-time payments are the most important factor for credit score calculations.

You can build credit with Chime Card when you:

• Use your card to make purchases.
• Pay your balance on time each month.

Turn on the Safer Credit Building feature in your app for automatic on-time payments.⁴ This way, your balance is paid on time each month without you needing to do anything.

Still confused about how Chime Card can help you get better credit scores? Check out our guides on how to build credit with Chime and how credit reporting works with Chime Card.

While your Chime Card works at any retailer that accepts Visa credit cards, you have options if you need to use a debit card. You can use your virtual debit card, for example, by adding it to Apple Wallet^® or Google Wallet^®, or request a physical debit card in the app. You can also pay with debit for online and in-person transactions.

More ways to help improve your credit with Chime

There’s a lot you can do with your Chime Card to help improve your credit, aside from using it to develop a positive payment history. Here are some other ways to take control of your credit with Chime.

• Check your credit scores for free. Log in to the mobile app to view your FICO^® score⁷ and track your progress.
• Improve your credit scores with Experian Boost^®.⁸ We’ve partnered with Experian^® to help you improve your scores using bills you already pay through Chime.
• Build credit monthly with rent reporting⁹. If you rent, you will soon be able to use your on-time rent payments in the app to help raise your credit score.
• Get credit tips tailored to your journey. The Chime app delivers personalized tips and advice to help you navigate your finances as you work to build higher credit scores.

When you set up direct deposits of $200 or more, you unlock the best of banking with a Chime+ membership.‡

That means you can earn unlimited 1.5% cash back on quarterly rotating categories with your Chime Card.¹ The cash back you earn can help you grow your savings, chip away at debt, or just create a little cushion in your Chime Checking Account.

Rewards aren’t the only thing you get as a Chime+ member. You also have access to MyPay^®,¹⁰ SpotMe^®,¹² and up to a 3.75% APY¹³on your high-yield savings account.

Chime Card is a rewarding way to build credit⁴ and unlock financial progress™. Chime Card provides the tools you need to stay on top of your spending, savings, and budget.

It takes just a couple of minutes to get started and unlock the full benefits of Chime.