The Chime Visa® Debit Card redefines what a debit card can offer by blending convenience with financial freedom. With no monthly fees or maintenance fees, access to over 50,000 fee-free ATMs, and top-notch security features, it’s designed to fit seamlessly into your everyday life.

As part of Chime’s mission to simplify banking, this debit card helps you avoid the common pitfalls of traditional banking while giving you more control over your money. Unlike most banks, which often add on service fees, overdraft fees, and international transaction charges, Chime is dedicated to a transparent, fee-free approach.

As a financial technology company (not a bank), Chime provides services through The Bancorp Bank, N.A., and Stride Bank, N.A., both Members FDIC. The Chime Visa® Debit Card aims to bring peace of mind to your financial life, with features like real-time transaction alerts and easy access to your account via Chime’s mobile app.

Main information about the Chime Visa® Debit Card

The Chime Visa® Debit Card is not just any debit card—it’s designed to be an essential financial tool. Whether you need to manage everyday expenses, withdraw cash, or take advantage of Chime’s unique cashback offers, this card provides a reliable solution. With over 1 million five-star reviews across app stores, it’s clear that the Chime Visa® Debit Card has garnered a strong reputation for its user-friendly features and no-hassle approach to banking.

With this debit card, you can expect transparent terms and easy access to features that help you stay on top of your finances. Chime users benefit from the ability to control all card settings within the app, making it simple to freeze or unfreeze the card, monitor account activity, and view spending habits in real-time.

How does the annual fee work?

The Chime Visa® Debit Card is 100% free of annual fees. Chime’s commitment to offering a no-fee banking option is a standout feature in today’s market, where most banks charge for basic services. With no monthly or maintenance fees, Chime aims to reduce financial barriers, allowing more people to enjoy the convenience and advantages of a debit card without any ongoing costs.

How is the spending limit determined?

The Chime Visa® Debit Card offers the convenience of a pre-paid model, meaning your spending limit is based on the balance you have in your Chime Checking Account. Since this is a debit card and not a credit card, there is no credit check or credit limit—it’s all about spending what you deposit. This approach provides greater control and helps you stay within your financial means.

Benefits of the Chime Visa® Debit Card

The Chime Visa® Debit Card comes with several practical benefits:

• No monthly fees or maintenance fees: Chime ensures there are no hidden costs, making it easier for users to maintain their account without surprise fees.
• Access to 50,000+ fee-free ATMs: Users can withdraw cash from an extensive network, including MoneyPass, Allpoint, and Visa Plus Alliance ATMs.
• Real-time transaction alerts: Keep track of every purchase or withdrawal, making it easier to manage spending and monitor account activity.
• Security and control: Users can manage their card security directly from the app, such as freezing their card in case it’s lost or stolen.
• Cashback rewards: With Chime Deals, eligible purchases earn cashback, giving users a way to save even more on their transactions.
• SpotMe® feature for eligible members: Avoid overdraft fees with SpotMe, which covers up to $20–$200 on debit purchases with no extra costs.
• High-yield savings account integration: Save more with Chime’s optional high-yield savings account that links with your Chime Visa® Debit Card.

Standout benefit: Cash Back with Chime Deals

One of the most appealing features of the Chime Visa® Debit Card is the cashback opportunity through Chime Deals. When you make eligible purchases, Chime automatically provides cashback. This added benefit gives you a chance to save on regular expenses, which can accumulate significantly over time.

Potential drawbacks

While the Chime Visa® Debit Card has many advantages, there are a few aspects to consider:

• Limited branch locations: Since Chime is an online-focused financial technology company, there are no physical branches available.
• ATM fees for out-of-network withdrawals: Although there are over 50,000 fee-free ATMs, using an out-of-network ATM may result in fees.
• No option for traditional checks: While you can send checks using Chime Checkbook, you won’t receive a personal checkbook.
• SpotMe eligibility requirements: Not all users are eligible for SpotMe, Chime’s overdraft protection feature, as it depends on qualifying direct deposits.

Primary drawback: Limited physical locations

Since Chime operates entirely online, it lacks in-person banking services. For those who prefer traditional, face-to-face banking support, this may be a disadvantage. However, the app and extensive customer support help bridge this gap.

Who is eligible for the Chime Visa® Debit Card?

To apply for a Chime Visa® Debit Card, applicants must meet a few basic requirements. They must be at least 18 years old and possess a valid social security number. While there is no minimum income requirement, eligibility for some benefits, like SpotMe or early direct deposit, depends on setting up qualifying direct deposits. Since the card is linked to a Chime Checking Account, applicants should be prepared to manage their account digitally through the Chime app or website.

How to apply for the Chime Visa® Debit Card

Applying for a Chime Visa® Debit Card is straightforward, with three main methods available:

Online

Visit Chime’s website to fill out the application form. The process takes less than two minutes, and there’s no impact on your credit score.

Through the app

Download the Chime app from the App Store or Google Play, then create an account and follow the on-screen prompts to apply for your Chime Visa® Debit Card.

In-person locations

Currently, Chime does not operate physical branches or in-person locations, so all applications must be completed online or through the app.

With these straightforward steps, Chime makes it easy to gain control over your finances with a Chime Visa® Debit Card.