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Chime Prime is Chime’s top membership tier that gives you The Most Rewarding Way to Bank⁸ fee-free.⁴ With Chime Prime, you get 5% cashback with Chime Card,¹ 3.75% savings APY,² premium travel perks with Chime Card, and more. To qualify, receive $3,000 or more in qualifying direct deposits each month with Chime.

You qualify for Chime Prime when you direct deposit at least $3,000 every month with Chime.⁹ Once you reach at least $3,000 in qualifying direct deposits, you can start benefiting from your Chime Prime status without a subscription or manual upgrade. To make the most of your Chime Prime benefits, make sure to get a Chime Card so you can earn cash back on a category of choice and access all of the premium travel perks.

New members qualify the same way as existing members—just direct deposit at least $3,000 every month with Chime⁹ and you can start benefiting from your Chime Prime status automatically.

Yes! Chime Prime is free. There are no monthly fees, no maintenance fees, and no minimum balance requirements. Make at least $3,000 in qualifying direct deposits every month⁹ and you’ll automatically get Chime Prime.

Chime Prime launches to select members in early 2026 followed by a full rollout in spring 2026.

Chime Prime includes everything in Chime Plus with more rewards and benefits including more cash back with Chime Card, a higher Savings APY, and premium travel perks with Chime Card.

Chime Prime members receive:

• 5% cash back¹ on Chime Card in a category you select each month

• 3.75% savings APY,² the highest at Chime

• Premium travel benefits with Chime Card, including airport lounge access and hotel perks

• Get your pay before payday with MyPay^® and fee-free overdraft⁷

You can use your Chime Prime benefits to help make every trip elevated and stress-free. 

Before you go on your trip, make sure to: 

• Activate your complimentary Priority Pass^® membership

• Set up a free mobile data plan with GigSky^®

• Choose your Chime Card cash-back category that fits your trip—like restaurants, travel, or rideshare

• Contact the Visa Signature^® Concierge for help booking flights, hotels, dining, or activities

• Explore and book properties in the Visa Signature Luxury Hotel Collection to get the best nightly rates and additional perks 

During your trip, you can: 

• Enjoy airport lounges with Priority Pass  

• Use your Chime Card for every purchase in your cash back category to maximize your cash back earnings 

• Withdraw money from an international ATM 2 times per month and automatically get reimbursed for the Chime out-of-network fee 

• Experience easy, hassle-free mobile data wherever you go with your GigSky plan 

No, you can only have one Chime membership tier active at a time. If you qualify for Chime Prime by meeting the $3,000 monthly direct deposit threshold, your account automatically updates to Chime Prime and includes access to your new benefits, including benefits available with Chime Plus.

If you stop receiving $3,000+ in qualifying direct deposits per month, your membership tier will change based on how much you direct deposit monthly. Your membership tier will change to Chime Plus if you receive a single direct deposit of $200+ or at least $400+ cumulative per month. You will not have access to Chime Plus or Chime Prime if your direct deposit amount falls below the applicable thresholds. You can get Chime Prime again by direct depositing at least $3,000 monthly.

You can find all available rewards, perks, and benefits directly in your Chime app when you tap your membership status in the Profile tab. If you need help, you can call to chat with a real person on Chime’s support team 24/7.