Chime Prime is a new membership status that offers benefits and perks beyond Chime and Chime Plus. To qualify and maintain Chime Prime status, you need at least $3,000 in total qualifying direct deposits in the last 34 days. If your qualifying direct deposits fall below $3,000, your status will change back to Chime Plus or Chime status. There are no subscription costs or fees to participate.
If you’d like to know if you qualify for Chime Prime status, check the Profile tab of your Chime app—you’ll see “Chime Prime” below your name if you qualify. You may also see a message from us in your inbox or app notifications.
With Chime Prime, you get access to:
More rewards and benefits:
- 5% cash back rewards on up to $1,500 of monthly eligible Chime Card purchases on a monthly rotating category you can pick from. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details on earning cash back.
- International ATM fee reimbursement: Reimbursement for your first two international ATM fees every calendar month.
- Visa Signature® benefits for Chime Card holders with Chime Prime status, including:
- Priority Pass Select™
- Visa Signature Luxury Hotel Collection
- Visa Signature Concierge
- GigSky Mobile
To learn more about Visa Signature® benefits, refer to What are Visa Signature® benefits?
Higher limits and savings:
- Access to higher SpotMe1 base limit (starting at $50).
- Access to higher MyPay2 limit starting at $100 for eligible and enrolled members.
- Higher savings APY3 than Chime Plus.
Instant Loan
- Immediate access to Instant Loan4 of $100+.
The pilot helps us test and improve Chime Prime before offering it more widely. While we don’t have any more information on a wider release at the moment, we encourage you to regularly check your Chime app and email for updates.
Eligibility:
To qualify and maintain Chime Prime status, you need at least $3,000 in total qualifying direct deposits in the last 34 days. If your qualifying direct deposits fall below $3,000, your status will change back to Chime Plus or Chime status. You can only be in one status at a time. Once you meet the eligibility requirements again, your status will automatically return to Chime Prime.
If you have more questions about qualifying direct deposits, you can refer to What counts as Qualifying Direct Deposits? in our Help Center.
1SpotMe® 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 transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.
2Some restrictions apply. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
3The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 01/27/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.
4Instant Loans provided by The Bancorp Bank, N.A. and serviced by Chime Capital, LLC (NMLS ID 2316451). Maximum 35.99% APR (annual percentage rate). Eligibility and loan amounts vary based on deposit activity, risk-based criteria, and your use of other Chime products. Instant Loans are only available to eligible Chime members in certain states. Loan offers will be provided by email and in the mobile app.