Holiday 2024 Credit Builder Cashback Promotion Offer Terms

Under this offer (the “Offer”), when you make an initial Eligible Purchase of $10.00 or more, you can earn a one-time $10.00 incentive reward plus 5% cash back on the amount of that first Eligible Purchase. After that first Eligible Purchase, you may receive 5% cash back on the amount of subsequent Eligible Purchases of any amount up to the applicable maximum. The total maximum reward amount for this Offer is $110.00. This Offer starts on November 29, 2024 and ends on December 31, 2024 (the “Offer Period”). To be eligible for this Offer, you must make Eligible Purchases during the Offer Period. In order to receive the initial $10.00 incentive reward and then cash back up to the maximum as detailed in these Offer Terms, you must meet the eligibility criteria described in the Offer Eligibility section below.

“Eligible Purchases” mean the dollar amount of purchases of goods and services you make at a qualifying restaurant or gas station using your Credit Builder Account everywhere Visa credit cards are accepted, minus returns and other credits. 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.

This section outlines the eligibility requirements for the Offer.  You must meet all applicable eligibility requirements in order to receive the Offer. You are eligible for this Offer if you receive an Offer invitation in your Chime app, SMS text message, push notification, email, or advertisement.

To be eligible for the Offer, you must:

1. Have a Chime Checking Account, be enrolled in Credit Builder, and remain in good standing;
2. Fund your Credit Builder secured deposit account via the methods available such as direct deposit, transfer, cash deposit, or MoveMyPay; 
3. For purchases with your physical Chime Credit Builder Secured Visa Credit Card, you must first activate the physical card; and
4. Make a qualifying purchase of $10.00 or more at a restaurant or gas station with either your physical or virtual Chime Credit Builder Secured Visa Credit Card. This initial Eligible Purchase activates your ability to earn 5% cash back on subsequent Eligible Purchases. 

This Offer expires on December 31, 2024, so you must activate your physical Chime Credit Builder Secured Visa Credit Card, fund your Credit Builder secured deposit account, and make any Eligible Purchase(s) by then. For avoidance of doubt, you are not eligible for this Offer if you did not receive an ad in your Chime app or in any method described above.

 To opt out of this Offer, contact member services in your app by requesting to speak to an agent or call us at 844-244-6363.

You may earn cash back rewards during the Offer Period as long as your Credit Builder Account and Chime Checking Account are open and in good standing. You will not be able to earn cash back rewards if your Credit Builder Account is closed or suspended for any reason.

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

After earning the initial $10.00 reward plus 5% cash back on the amount of that first Eligible Purchase as detailed above, you will be able to earn cash back rewards equal to 5% of the dollar amount of the Eligible Purchases posted to your Credit Builder Account during the Offer Period, up to a total 5% cash back of $100.00. The $110.00 maximum reward amount for this Offer includes the initial $10.00 reward plus 5% cash back amount on the first Eligible Purchase. After the first Eligible Purchase of $10.00 or more, there is no minimum amount for subsequent Eligible Purchases required before earning cash back rewards. 

Transactions resulting in 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. 

During the Offer Period, cash back rewards earned on an Eligible Purchase will be transferred automatically to your Chime Checking Account within seven days of settlement of the Eligible Purchase in your Credit Builder Account. In the event that your Credit Builder Account is closed or suspended after settlement of an Eligible Purchase, you will still receive the earned cash back rewards only if your Chime Checking Account remains open and in good standing. 

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

The cash back rewards you earn on Eligible Purchases will show in the Checking Account section within your Chime app and on your Chime Checking Account statement.

Once any earned cash back rewards are transferred to your Chime Checking Account, they will be available for use by you, subject to the terms and conditions of your Chime Checking Account.

Chime reserves the right to take action if it sees evidence of fraud, abuse, misuse, or suspicious activity, as determined by Chime in its sole discretion. Such action may include but not be limited to:

•             Disqualifying you from this Offer
•             Reducing or taking away earned cash back rewards that have not yet been transferred to your Chime Checking Account. 
•             Suspending or closing your Credit Builder Account

You acknowledge that this Offer is a promotional offer as to which no consideration has been paid to you and that cash back rewards have no cash value. Unless and until the cash back rewards are transferred to your Chime Checking Account, no tangible or intangible right, title, or interest in the cash back rewards has been earned. Nothing herein requires Chime to transfer any cash back rewards to your Chime Checking Account if the offer has been canceled, terminated or suspended.

Chime reserves the right to change these Offer Terms at any time in its sole discretion. Changes to these Offer Terms may include, among other things, adding a cap to the amount of Eligible Purchases that will qualify for cash back rewards, modifying Eligible Purchases, excluding transactions, imposing additional restrictions or terminating the Offer.

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 Credit Builder Account (including those resulting from successful transaction disputes). Adjustments may cause a negative balance in your cash back rewards and will be shown in the Chime app as a negative cash back rewards balance.

Chime is a financial technology company, not an FDIC-insured bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A.  or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.

The Chime Credit Builder Secured Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.