Key takeaways
Chime Prime™ gives you the best of Chime with qualifying direct deposits1
Get access to 5% cash back with Chime Card2 on a category of your choice, like groceries, gas, monthly bills, restaurants, or travel
Get 3.75% APY3 on savings to help grow your money faster
Enjoy exclusive travel and lifestyle perks like a Complimentary Priority Pass® membership4, Visa® luxury hotel benefits5, and access to the Visa Signature® Concierge6.
Note: Chime Prime launches to select members in early 2026 followed by a full rollout in spring 2026.
Chime Prime builds on what members already love about Chime – simple, fee-free banking7 – and adds meaningful rewards for people who want their money to go further.
It's the next evolution in everyday banking. As a Chime Prime member, you'll get 5% cash back2 with Chime Card on your category of choice and 3.75% APY3 on savings so you can compound your progress. You'll also get access to premium travel perks as a Chime Card holder and 24/7 priority support from real people, when you direct deposit at least $3,000 monthly1.
Intrigued? Let's explore how Chime Prime can help you reach your financial goals, fee-free.
What is Chime Prime?
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 back2 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% APY3 on your savings balance and watch your nest egg grow faster
Premium travel perks: Enjoy a complimentary Priority Pass membership4 that gives you access to 1800+ airport lounges and experiences, global mobile data8, luxury hotel benefits5, and access to the Visa Signature Concierge6.
Get paid before payday: Get up to $500 with MyPay9
Instant loan: Pre-qualified loan. Get $100+ instantly10
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 time11
Priority support: Got questions? Enjoy 24/7 priority support with a real human over phone or chat
Fee-free banking7: No monthly fees, no minimum balances, no subscription fees
You'll automatically achieve Chime Prime status when you direct deposit at least $3,000 monthly1.
How can I get Chime Prime?
Wondering how to get Chime Prime? Just follow these steps and enjoy more rewards:
Step 1: Receive qualifying direct deposits totaling at least $3,000 into your Chime Checking Account per month1.
Step 2: Once you've qualified, your Chime Prime status unlocks automatically in the app.
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.
How do you get 5% cash back with Chime?
As a Chime Prime member, you'll unlock 5% cash back2 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.1
How do you get 3.75% APY with Chime?
Once you qualify for Chime Prime, you can earn an impressive 3.75% APY3 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 Savings12 and Round Ups13.
Chime vs. Competitors
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.
Chime | Bank of America | Wells Fargo | |
|---|---|---|---|
Cash back2 In the category of your choice. | 5% With Chime Card and Chime Prime | 6% first year, 3% after Customized Cash Rewards Secured Credit Card | ✗ No Secured Card with cash back |
Savings APY3 | 3.75% Chime Prime | 0.04% Advantage Savings Account | 0.05% Platinum Savings Account |
Fee free banking7 Checking with no monthly fee without additional requirements. | ✓ | ✗ | ✗ |
*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.
How to make the most of Chime Prime
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 membership4 that gives you access to 1800+ airport lounges, global mobile data through GigSky8, luxury hotel benefits5, and access to the Visa Signature Concierge6.
Stay connected: Find all perks under your profile tab in-app – or reach out to your 24/7 Visa Travel Concierge.
A rewarding banking experience that's actually built for you
You've worked hard to make progress but most banks don't recognize it. That's why Chime is America's #1 Choice For Banking14 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.