Chime Prime: The most rewarding way to bank⁺

Chime Prime is the most rewarding of Chime’s three memberships, built to help your money work harder for you. It includes every benefit from Chime and Chime Plus, plus additional market-leading cash back rewards to unlock more from every dollar.

Here’s what you can expect as a Chime Prime member:

• Top-tier rewards: Get 5% cash back^~ on a spending category of your choice – from groceries and gas to restaurants, travel, or monthly bills – when you use your Chime Card
• High-yield savings: Earn 3.75% APY^{^} on your savings balance and watch your nest egg grow faster
• Premium travel perks: Enjoy a complimentary Priority Pass™ membership¹ that gives you access to 1800+ airport lounges and experiences, global mobile data^§, luxury hotel benefits², and access to the Visa Signature Concierge³.
• Get paid before payday: Get up to $500 with  MyPay⁴
• Instant loan: Pre-qualified loan. Get $100+ instantly⁵
• Overdraft coverage: Chime Prime members may have access to a starting limit of $50 in SpotMe^® overdraft coverage and can receive up to $200 over time⁶
• Priority support: Got questions? Enjoy 24/7 priority support with a real human over phone or chat
• Fee-free banking^*: No monthly fees, no minimum balances, no subscription fees

You’ll automatically achieve Chime Prime status when you direct deposit at least $3,000 monthly^†.

Wondering how to get Chime Prime? Just follow these steps and enjoy more rewards:

1. Step 1: Receive qualifying direct deposits totaling at least $3,000 into your Chime Checking Account per month^†.
2. Step 2: Once you’ve qualified, your Prime status unlocks automatically in the app.
3. Step 3: Access your upgraded benefits – from higher savings rates to cash back rewards and perks.

As long as you direct deposit at least $3,000 each month, you’ll stay enrolled.

As a Chime Prime member, you’ll unlock 5% cash back^~ on your category of choice when you use your Chime Card to pay for eligible purchases on up to $1500.

Categories to select from include:

• Grocery stores
• Gas
• Restaurants
• Monthly bills
• Taxi and rideshare
• Travel

Select your cash back category in the Chime app. You can choose a different category on the first of each month or stick with the same one – whichever option you feel will maximize your cash back potential. You must make an initial category selection to be eligible. If you don’t select a new category each month after your initial selection, the one you chose the previous month will automatically roll over.

A higher cash-back percentage equals more money in your pocket. Chime Prime has the highest percentage, while Chime Plus offers 2% cash back.^†

Once you qualify for Chime Prime, you can earn an impressive 3.75% APY^{^} in your High-Yield Savings Account. Annual Percentage Yield (APY) is the amount of interest you can earn on your savings over a year. Most standard savings accounts earn little or no interest, while high-yield savings accounts generally offer higher interest rates that allow your balance to grow over time.

A high APY helps you grow your savings faster – and Chime members can save even more with features like Automatic Savings⁷ and Round Ups⁸.

Chime isn’t a bank. Chime is The #1 Most Loved Banking App^® built to help everyday people make financial progress. See how Chime’s banking features compare.

*With Chime Prime, get 5% cash back on eligible Chime Card purchases and 3.75% Prime APY on your Savings Account balance. Not all Chime benefits listed require qualifying direct deposits of $3,000+. Chart based on internal comparison conducted February 2026 to select offerings at traditional banks, numbers subject to change at any time. See details used for comparison to traditional bank offerings here.

Chime offers the most rewarding fee-free banking+. Here’s how you can maximize your rewards:

• Choose your cash back category wisely: Pick everyday categories like groceries or gas when you’re home, and switch to travel or restaurants when traveling.
• Use your savings smarter: Automatically move funds to your high-yield account to maximize your APY earnings and make your money grow faster.
• Travel with confidence: Complimentary Priority Pass™ membership¹ that gives you access to 1800+ airport lounges, global mobile data through GigSky^§, luxury hotel benefits², and access to the Visa Signature Concierge³.
• Stay connected: Find all perks under your profile tab in-app – or reach out to your 24/7 Visa Travel Concierge.

You’ve worked hard to make progress but most banks don’t recognize it. That’s why Chime is America’s #1 choice for banking⁹ because, unlike other banks that stay stagnant, Chime grows with you.

Now, Chime will give you an even more rewarding experience as you make financial progress. Starting in 2026, direct deposit unlocks the most rewarding way to bank through Chime. Get more from every dollar you earn when you set up qualifying direct deposits — all without additional fees or minimum balance requirements.