Secured Chime Visa^® Credit Card - Cash Rewards Program Addendum

The secured Chime Visa Credit Card and its respective credit card account (“Card” and “Card Account,”) are offered by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and are distributed and serviced by Chime Financial, Inc. (“Chime”) on behalf of the banks. See the back of your Card for the issuing bank. The cash back rewards are provided by Chime.

Your participation in this cash back rewards program is subject to this Secured Chime Visa® Credit Card – Rewards Program Addendum (“Addendum”), which supplements your Secured Chime Visa® Credit Card Agreement and Application Disclosure and Secured Deposit Account Agreement.

This cash back rewards program, including this Addendum, is subject to the Governing Law and Arbitration provisions of the Secured Chime Visa Credit Card Agreement.

This cash back rewards program is only available to members with Chime Plus or Chime Prime status. For more information on Chime Plus and Chime Prime status, along with eligibility criteria, please refer to the Chime Membership Tiers Terms and Conditions.

When you open a Card Account and obtain Chime Plus status, you will begin earning 2% cash back on all Eligible Purchases in one Spend Category (defined below) after you select that Spend Category in your Mobile App. If you obtain Chime Prime status, you will begin earning 5% cash back on all Eligible Purchases in one Spend Category, after you select that Spend Category in your Mobile App. To earn cash back at any level, you must select a Spend Category; failure to select a Spend Category will result in no cash back rewards. Available cash back rewards – for both Chime Plus and Chime Prime – are capped at $1,500.00 in Eligible Purchases per calendar month. After reaching $1,500.00 in Eligible Purchases in a given calendar month, additional purchases in your selected Spend Category will not be eligible for cash back rewards for that month. This means that you cannot receive more than $30.00 in cash back rewards with Chime Plus status or $75.00 in cash back rewards with Chime Prime status in a given calendar month.   

You must maintain Chime Plus or Chime Prime status at the time of an Eligible Purchase to earn cash back on that Eligible Purchase. If you lose Chime Prime status, you will not be able to earn 5% cash back on Eligible Purchases, and will instead earn 2% cash back on Eligible Purchases if you retain Chime Plus status or otherwise you will not be able to earn any cash back on Eligible Purchases. If you lose Chime Plus status, you will not be able to earn any cash back on Eligible Purchases. However, if you lose Chime Prime or Chime Plus status after making an Eligible Purchase, but before that earned cash back is transferred to your Secured Deposit Account, you will still receive the cash back to your Secured Deposit Account, so long as your Secured Deposit Account remains open and in good standing.      

“Eligible Purchases” refers to the purchases of goods and services in your selected Spend Category that have settled, which may be after your purchase date, using your Card everywhere Visa credit cards are accepted, minus returns and other credits. If you fail to select an initial Spend Category, no purchases will be eligible for cash back rewards. You may change your selected Spend Category beginning on the first day of each calendar month. Eligible Purchases do not include cash advances, gift cards, disputed transactions, unauthorized or fraudulent transactions, fees, or any other transactions that Chime may determine in its sole discretion are not eligible to earn cash back. Purchases using your Chime Visa Debit Card do not count as Eligible Purchases and will not earn cash back. 

You may earn cash back rewards as long as you have selected one of the below Spend Categories in your Mobile App, and your Card Account and Secured Deposit Account are open and in good standing. You will not be able to earn cash back rewards if your Card Account and Secured Deposit Account are closed or suspended for any reason.

This offer is void where prohibited by federal, state, or local law.

To earn cash back rewards, you are responsible for selecting one of the below Spend Categories in your Mobile App. The selected Spend Category will remain the same each month unless you select a new Spend Category. Spend Categories are based on a merchant’s MCC, as described further below. Spend Categories can include, but may not be limited to:

• Grocery Stores: Includes grocery stores, supermarkets, bakeries, miscellaneous food stores, and meat provisioners, candy, nut, confectionery, and dairy product stores.
• Gas: Any service station or automated fuel dispenser.
• Restaurants: Includes restaurants that sell prepared food and drinks for dine-in, takeout, drive-through, or delivery. Also includes places that sell alcohol—like wine, beer, mixed drinks, and other liquor or beverages—for consumption on the premises.
• Monthly Bills: Includes telecommunications (like mobile phones) services and equipment, and fax services. Includes internet, cable, and other paid television. Includes household utilities. Excludes insurance and medical bills.
• Taxi & RideSharing: Transportation services by automobile that do not operate on a regular schedule or established route, i.e. taxi cabs, ride-sharing applications, limousines.
• Travel: Inclusive of travel operators/agencies, booking platforms, tours, as well as flights, car rental, and hotels. 

“MCC” means a merchant category code and is a four-digit classification code, as defined by Visa®, that is assigned to a merchant by Visa® or merchant processor based on the predominant business activity of the merchant. Chime has no responsibility for the assignment of MCCs and does not evaluate what MCCs should be assigned to a specific merchant. Chime reserves the right to determine from time to time the Spend Categories and which MCCs are included in each Spend Category. Chime is not responsible for awarding cash back rewards for Eligible Purchases in the Spend Categories at merchants who do not report an Eligible Purchase with an accurate MCC.

With Chime Plus status, you will earn cash back rewards equal to 2% of the dollar amount of your Eligible Purchases in your selected Spend Category. With Chime Prime status, you will earn cash back rewards equal to 5% of the dollar amount of your Eligible Purchases in your selected Spend Category. From time to time, your cash back rewards may be delayed.

There is no minimum amount of Eligible Purchases required before earning cash back rewards. There is a maximum monthly amount of $1,500.00 in Eligible Purchases subject to cash back rewards. To earn cash back rewards, your Card Account and Chime Checking Account must be open and remain in good standing.

Fractions of cash back rewards will be rounded up to the nearest whole cent if equal to or greater than $0.005 and rounded down if less than $0.005.

Any cash back rewards earned on Eligible Purchases minus returns, cancellations, chargebacks, or other credits to your Card, transfer automatically to your Secured Deposit Account generally within nine (9) calendar days after the Eligible Purchase transaction settles in your Card Account. From time to time, transfer of your cash back rewards may be delayed.

If you close your Card, any earned cash back rewards not yet transferred to your Secured Deposit Account will be forfeited. If your Card Account is suspended for any reason, your earned cash back rewards may not transfer to your Secured Deposit Account.

Earned cash back rewards do not expire. Any earned cash back rewards that have not transferred to your Secured Deposit Account will be forfeited if your Card Account is closed by The Bancorp Bank, N.A., Stride Bank, N.A., or Chime for any reason.

The cash back rewards you earn on Eligible Purchases will be shown in your Chime Mobile App and on your billing statement.

Once any earned cash back rewards are transferred to your Secured Deposit Account, they will be available for use by you, and reflected in your Available amount and on your billing statement.

Chime, The Bancorp Bank, N.A., or Stride Bank, N.A., reserve the right to take action if it sees evidence of fraud, abuse, misuse, or suspicious activity, as determined by Chime or the bank in its discretion. Such action may include but not be limited to:

• Disqualifying you from this cash rewards program
• Disqualifying earned cash back rewards that have not yet been transferred to your Secured Deposit Account
• Suspending or closing your Card Account

You acknowledge that cash back rewards have no cash value prior to such time as cash back rewards are transferred to your Secured Deposit Account. Unless and until the cash back rewards are transferred to your Secured Deposit Account, no tangible or intangible right, title, or interest in the cash back rewards has been created or earned. Nothing herein requires Chime to transfer any cash back rewards to your Secured Deposit Account if this cash rewards program has been canceled, terminated, or suspended.

Chime, The Bancorp Bank, N.A., or Stride Bank, N.A. reserves the right to change this Addendum or the cash rewards program at any time in its sole discretion. Changes may include, among other things, adding a cap to the amount of cash back rewards you may earn, modifying Eligible Purchases or Spend Categories, excluding transactions, imposing additional restrictions, or terminating the cash rewards program.

Adjustments will be made to your cash back rewards as the result of canceled transactions, refunds or other credits from merchants, and other credits to your Card (including those resulting from successful transaction disputes). Adjustments may cause a negative balance in your cash back rewards. If you have a negative cash back rewards balance at the end of a payout cycle in which at least one Eligible Purchase is posted to your Card, the cash back reward for the Eligible Purchase will be used to offset your negative cash back reward balance, and will not be transferred to your Secured Deposit Account. Adjustments will appear in the Chime Mobile App.