Do I need to upgrade to Chime Card?

You’re not required to switch, but we strongly recommend it. Upgrading to Chime Card unlocks access to new features like upgraded card designs and a single balance to spend from. Once you achieve Chime Plus or Chime Prime status¹, you'll also unlock Cash Back Rewards² on your Chime Card.

Members with Chime Plus status are eligible for 2% in cash back rewards, while those in Chime Prime are eligible for 5% in cash back rewards; cash back rewards apply to purchases of up to $1500 per month in a selected category. You will also be eligible for Visa Signature® benefits through your active Chime Card if you’re a Chime Prime member.

¹To 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.

²With qualifying direct deposits, earn 5% cash back reward as a Chime Prime member or 2% cash back reward 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 rewards on your monthly selected category.