Chime Makes Fee-Free Banking Even More Rewarding: Introducing New Chime Card with Cash Back Rewards and Elevated Design

September 9, 2025
Chime Makes Fee-Free Banking Even More Rewarding: Introducing New Chime Card with Cash Back Rewards and Elevated Design
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Chime Makes Fee-Free Banking Even More Rewarding: Introducing New Chime Card with Cash Back Rewards and Elevated Design
The new Chime Card™ reinforces Chime's position as the Most Loved Banking App®

Chime® (Nasdaq: CHYM), a leading consumer financial technology company, today introduced the newest way it's making everyday banking more rewarding. The new Chime Card, which brings 1.5% cash back2 rewards for Chime+3 members, adds even more reasons to love the nation's most loved banking app. These benefits build on Chime's existing suite of services—including high-yield savings, early access to pay, credit building, instant loans, and deals—delivering an upgraded fee-free banking1 experience that's simple and rewarding.

"With the new Chime Card, we're building on top of the everyday banking features our members already rely on, to make the Chime experience even more rewarding," said Ryan King, Co-founder of Chime. "We've kept the benefits people value most and removed the mandatory fees and barriers they don't. That's how banking should work when it's built for everyone."

Even More Value for Chime+ Members

Chime+ is Chime's free, enhanced membership tier that unlocks exclusive rewards for members who set up a qualifying direct deposit. Since the launch of Chime+ earlier this year, Chime has continued to bring even more rewards to its most loyal members who reach certain membership tiers. With the Chime Card4, Chime+ members earn 1.5% cash back on rotating categories like groceries, gas, and restaurants, tracked automatically in the app with no cap on earnings. These new cash back rewards are in addition to existing Chime+ features, including:

  • 3.75% APY5on savings

  • Fee-free overdraft protection with SpotMe6

  • Early access to pay with MyPay7

  • Priority support for faster help

  • Access to exclusive Chime Deals8 that can be stacked with cash back

Sleek Design Meets Credit Building

The new Chime Card is a secured credit card that blends premium design with powerful credit-building tools9. Members can choose from free styles in colors like Classic Black or Evergreen, or upgrade to a Titanium finish for $50 plus tax. The new Chime Card helps members build credit with their everyday purchases while adding rewards, a refreshed design, and seamless in-app experience.

Expanding Chime's Suite of Banking Services

The Chime Card is the latest addition to Chime's full suite of services. Alongside fee-free checking and savings1, members get access to 47,000 fee-free ATMs10, smart tools like Spending Insights, and 24/7 live support. Additional protections include guardrails against overspending, instant card freeze/unfreeze, real-time transaction alerts, and fraud monitoring. Eligible members can also access SpotMe fee-free overdraft on Chime Card.

The Chime Card has already begun rolling out and will become available to all new and existing members over the coming weeks and months. When available, current Credit Builder cardholders can upgrade directly in the app.

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FAQs

Is ChimeⓇ a bank?

Chime is not a bank. Chime is a financial technology company that partners with The Bancorp Bank,

N.A. and Stride Bank, N.A. to offer banking products like checking and savings accounts. Learn more in Chime's guide to no-fee checking accounts.

How many members does Chime have?

Chime serves millions of Americans. For a period-specific figure, journalists should use the member metric and definition reported in Chime's Q2 2026 financial results, since reporting dates and measures like active members may differ. Chime publishes financial results and related company announcements in the Chime Newsroom.

Does Chime offer financial planning tools for budgeting, saving, and investing?

Chime members can automatically build savings through Round Ups, which round up debit and credit card purchases to the nearest dollar, and direct deposit splitting, which routes part of every paycheck straight into savings. (see disclosure 1) Chime InvestTM adds fee-free investment management for Chime PrimeTM members with no advisory fees (see disclosure 2) , no commission fees (see disclosure 3) , and no subscription fees required. Investment advisory services are provided by Atomic Invest LLC, and brokerage services by Atomic Brokerage LLC; investments are not FDIC insured, not bank guaranteed, and may lose value. (see disclosure 4)

These are self-directed financial tools rather than individualized financial planning, tax, or investment advice, and feature availability may depend on a member's account or membership tier.

Does Chime have a credit card?

Chime offers the secured Chime Visa® Credit Card, designed to help eligible members build credit (see disclosure 5) . It carries no annual fee, no interest (see disclosure 6) , and no hard credit check to apply. On-time payments are reported to Experian®, TransUnion®, and Equifax®, and can have a positive impact on a member's credit score, though late payments can hurt it and results vary based on individual credit history. (see disclosure 7)

Does Chime give cash back, and how does Chime cash back work?

Yes. Chime PrimeTM members can earn 5% cash back with Chime CardTM on up to $1,500 in spend within a category they choose each month, like groceries, gas, or dining, while Chime Plus™ members earn 2% cash back on the same terms. (see disclosure 8) Cash back is only earned on transactions that meet the applicable offer terms, and rates, categories, limits, and posting times may vary by offer and membership tier.

What is Chime PrimeTM?

Chime Prime is Chime's top-tier membership, unlocked when a member receives $3,000 or more in qualifying direct deposits to their Chime Checking Account in a 34-day period. (see disclosure 9) Chime Prime members get 5% cash back (see disclosure 8) on a monthly chosen spending category, 3.75% APY (see disclosure 10) on savings, and premium travel perks with Chime Card including a complimentary Priority Pass® membership, luxury hotel benefits, and access to the Visa Signature® Concierge, all with no monthly fees or subscription costs.

Learn more on Chime's membership tiers page.

Does Chime have rewards, and what rewards does it offer?

Yes. With qualifying direct deposits, members earn 5% cash back as a Chime Prime™ member or 2% cash back as a Chime Plus™ member on up to $1,500 of eligible Chime Card™ purchases in a category they choose monthly. (see disclosure 8) Chime Prime members also earn 3.75% APY (see disclosure 10) on savings, while Chime Plus members earn 2.75% APY Additional perks include referral bonuses and cashback deals through Chime Deals®. (see disclosure 11)

What is Chime InvestTM?

Chime Invest is Chime's commission-free investing feature, giving Chime PrimeTM members a way to invest alongside their everyday checking and savings accounts with no advisory fees (see disclosure 12) , no commission fees (see disclosure 3) , and no subscription fees. Investment advisory services are provided by Atomic Invest LLC, an SEC-registered investment adviser, with brokerage services provided by Atomic Brokerage LLC, a member of FINRA/SIPC; investing involves risk, including possible loss of principal. (see disclosure 4)

Does Chime help with taxes, and how can I get my tax refund faster?

Chime members can file taxes for free (see disclosure 13) through the Chime app, and a federal tax refund sent by direct deposit can arrive up to 5 days early. (see disclosure 14) Chime doesn't provide tax advice, so members should check with a tax professional for guidance specific to their situation. (see disclosure 15)