- 5% cash back rewards on category of choice for **Chime Prime members. Prime eligibility is unlocked with $3,000+ in qualifying direct deposits.
- No annual fee
- No credit check or minimum security deposit
- Prime members get **3.75% APY with qualifying direct deposits on a **Chime savings account
- Card access paused if statement balance is not paid within 24 hours.
Chime credit card credit score
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Advantages of the Chime Card
In addition to being easy to qualify for, the Chime Card has no annual fee, no maintenance fees and no foreign transaction fees. However, to earn rewards, you’ll need to qualify for Chime Plus or Chime Prime3.
When you make a single qualifying direct deposit of $200+ or cumulative qualifying direct deposits of $400+ into your Chime Checking account in the previous 34 days, you’ll receive Chime Plus benefits. Chime Plus unlocks perks such as:
- 32% cash back in a category of your choice on up to $1,500 per month
- 52.75% APY on your Chime savings (vs. 0.75% APY for a standard member)
To receive Chime Prime benefits, you need to have $3,000+ in qualifying direct deposits into your Chime Checking account in the previous 34 days. With Chime Prime, you’ll unlock:
- 65% cash back in a category of your choice on up to $1,500 per month
- 53.75% APY on your Chime savings with qualifying deposits
- Priority Pass airport lounge membership with two complimentary visits per year
- Visa Signature benefits
What credit score do you need for the Chime credit card?
One of the best features of the Chime Card is that you don’t need a credit score to qualify. You simply need to have an active Chime Checking account.
There are no minimum deposit or balance requirements to open a Chime Checking account. It also has no monthly maintenance fees. A Chime Savings account isn’t required to get a Chime Card, but it has an APY of 50.75% to 3.75% depending on what type of Chime membership you qualify for and deposit eligibility. So it can’t be a useful savings account for Chime Prime members who qualify for the highest APY.
Chime® Checking + High-Yield Savings
Chime ® banking services, credit and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
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Annual Percentage Yield (APY)
Chime® Checking (no interest), required to enroll in Chime High-Yield Savings 3.75% APY. *
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Minimum balance
$0, no minimum deposit or balance
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Fees
No monthly maintenance or overdraft fees. SpotMe® service with eligibility for no-fee overdraft up to $200.*
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Perks
Paycheck available up to two days early with direct deposit. Automatically save part of your direct deposits of $1 or more. Round Ups feature transfers spare change from purchases to savings. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Generally, these funds are available on the day the payment file is received, which may be up to 2 days earlier than the scheduled paymedate.
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Maximum transactions
Cash withdrawals from checking up to $515 per day at any ATM or as an over-the-counter bank withdrawal. $2,500 maximum daily spend, including any withdrawals, purchases and incurred fees.
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ATMs
47,000+ in-network no-fee ATMs.*
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Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
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Mobile check deposit
ATMs: Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “”SpotMe””). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. APY: 3.75% Annual Percentage Yield (“APY”) applies if you maintain Chime Prime status, otherwise 3.00% Chime Plus APY (if eligible) or 0.75% standard APY will apply. APYs are effective as of 01/29/2026, are variable and subject to change. No min. bal. required.
Pros
- 3.75% APY on Chime High-Yield Savings
- No minimum deposit or balance required
- No monthly service fee
- No overdraft fee, transactions for unavailable funds are denied; SpotMe® for overdraft up to $200 with $200 or more in qualifying direct deposits over previous 34 days and an activated Chime debit card.
- Paycheck funds available up to two days early with direct deposit
- Automated transfer 10% of direct deposits of at least $200 to savings
- Purchases with Chime Visa® Debit Card rounded up to the next dollar and difference automatically transferred to savings
- Access to over 47,000 in-network ATMs for no fee, including MoneyPass ATMs in 7-Eleven and Allpoint or Visa Plus Alliance ATMs
- Mobile check deposit
- Security features include blocking transactions for a lost card, providing daily balance updates, sending real-time transaction alerts and protecting from unauthorized charges with Visa *Zero Liability. *You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
Cons
- Chime checking account required to opening Chime savings account
- No APY on Chime Checking; Chime High-Yield Savings APY above national average but lower than other high-yield savings accounts
- Can’t withdraw money directly from savings, must transfer to checking
- With checking, $2.50 fee for out-of-network ATMs and over-the-counter bank withdrawals
- Checking withdrawals limited to $515 per day at any ATM or as over-the-counter bank withdrawals using Chime Visa® Debit Card. $2,500 daily max spend, including incurred fees, withdrawals, funds withdrawn at a point of sale and purchases.
How the Chime Card can help improve your credit score
One of the most popular credit scoring models is the FICO Score, which ranges from 300 to 850. Higher credit scores are meant to show lenders you are more likely to repay your debts. With a better credit score, you increase your approval odds and may have access to lower interest rates.
Your FICO Score is comprised of five main elements:
- Payment history (35%)
- Amounts owed (30%)
- Length of credit history (15%)
- New credit (10%)
- Credit mix (10%
The Chime Card can give your credit score a boost when you consistently pay your monthly bill on time and in full. And Chime makes this easy with the Safer Credit Building feature. When you activate this auto pay option, your card balance is paid off automatically with funds from your Secured Deposit Account.4
Your payment history and total debt are the two biggest factors in your credit score. Since the Chime Card doesn’t add to your debt (your credit limit is based on your account balance), it can help your credit score if you’re consistently paying on time.
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1To apply for a Chime Card™, a Chime® Checking Account is required to apply.
2Chime® Checking Account is required to be eligible for a Savings Account.
3To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details on all listed Prime and Plus perks.
4To fund your Chime Card™, you can deposit funds to your Checking Account (including direct deposit, ACH transfer, linking an external debit card, payment apps) or deposit cash at retailers with your debit card, barcode, or Chime Card. Funds added to your Checking Account are transferred to your Chime Card Secured Deposit Account – other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then deposit to your Secured Deposit Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. See your Chime mobile app for funding option details.
53.75% Annual Percentage Yield (“APY”) applies if you maintain Chime Prime status, otherwise 3.00% Chime Plus APY (if eligible) or 0.75% standard APY will apply. APYs are effective as of 01/29/2026, are variable and subject to change. No min. bal. required.
6With qualifying direct deposits, 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 secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card – Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.