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Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Get cash back with Chime.
- Get cash back on everyday purchases
- Find deals right in the Chime app
- Rewards for purchases you already make like gas and groceries
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Get cash back on everyday purchases.
Chime Deals™ is a fee-free feature for Chime members to get cash back on everyday purchases through in-app deals. Browse the app for retailers you’re planning to visit and choose the cash back deals you want.¹ You could get cash back on everyday purchases like gas, groceries, and restaurants nearby.
Browse the Chime app for deals.
Launch your Chime app and look for Chime Deals on the home screen. You’ll be able to pinpoint cash back deals at nearby retailers – much like you can find Chime ATMs near you.
Activate Chime Deals when you’re ready.
Found a deal you like? Simply tap the deal to activate it when you’re getting ready to head out and make your purchase. You can see the expiration window for Chime Deals in the app after you activate them.
Redeem cash back deals with your Chime card.
You don’t need a special cash back rewards card to use Chime Deals. Just tap or swipe your Chime® Visa® Debit Card or secured Chime® Credit Builder Visa® Credit Card at the retailer to claim your cash back rewards.
Get cash back in your Chime account.
Any Chime Deals cash back you earn will be deposited right into your Chime Checking Account² within 10 business days. That’s extra money to spend however you want – and this fee-free feature is available to all Chime members!
At the gas station. On your way to the pump? Search the Chime app to find Chime cash back deals on fuel near you. You can shave money off each gallon at select gas stations – a surefire way to combat rising gas prices.
At the grocery store. The cost of groceries has shot up in recent years. Cash back through Chime Deals means you’ll earn cash back when buying grocery essentials like produce, meat, and bread. Chime Deals is another great way you can save on groceries!
At restaurants. We all deserve to eat out now and then, but the cost of dining out at our favorite restaurants can put a dent in our budget. Chime Deals cash back rewards make dining out more of a treat – with savings at many of your favorite restaurants.
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FAQs
Do I need to have an activated card to use Chime Deals?
Yes, to use Chime Deals, you need a Chime Checking Account with a physical activated Chime Visa Debit Card. Chime Deals also works with a physical secured Chime Credit Builder Visa Credit Card.
If you are new to Chime, activate your card to start earning cash back through Chime Deals. And if you’re not yet a member, you’ll need to sign up for a Chime account, then activate your physical debit card, to start earning cash back rewards.
Can I make purchases with Apple Pay® to redeem deals on Chime Deals?
At this time, you cannot use Apple Pay to redeem cash back offers on Chime Deals. You’ll need to physically swipe or tap your debit card or credit card at the retailer.
Once I activate a deal, how long do I have to redeem it?
After activating a cash back deal through Chime, you have a set amount of time – generally 4 hours, for example – to redeem it. We recommend waiting to activate a deal until you’re about to leave the house to head to the gas station, grocery store, or restaurant.
Are cash back rewards free money?
Cash back rewards are not free money. You have to spend money to earn cash back. Instead, think of cash back as similar to a discount: If you have a 10% cash back deal at a gas station, it’s kind of like a 10% discount on the cost of gas.
With cash back, though, you’re spending the full amount upfront. You’ll then earn the rewards as a statement credit or direct deposit into your account.
How does a cash back card work?
A card with cash back rewards enables you to earn cash rewards when swiping or tapping your card for everyday purchases. Each card will have its own terms and conditions, but in general, you’ll earn cash back on qualifying purchases, either by receiving a direct deposit into your bank account or earning a statement credit against your card balance.
Each cash back reward card will have its own rates. For example, one card may offer 1.5% cash back on every purchase. Some may offer a higher percentage of cash back on specific types of purchases, like gas, dining, groceries, or online shopping.
How do I redeem cash back rewards?
How you redeem cash back rewards depends on the card you have. For example, at Chime, you can deposit cash back directly into your checking account. Other options allow you to redeem your cash back as a statement credit. In some cases, cash back apps may require receipt uploads to redeem rewards, or they may issue your rewards as a check or gift card.
Chime Deals makes it easy to earn cash back rewards. Simply select the cash back deals you’re interested in within the Chime app, swipe or tap your card, and earn the rewards as a direct deposit to your checking account within 10 business days.
Is there a downside to cash back rewards?
While cash back rewards are a helpful way to earn money on everyday purchases, you could spend more than you ordinarily would, simply because you want to earn more rewards. To avoid overspending, only use your cash back rewards for purchases you make regularly.