Why am I seeing this upgrade message?
We’re retiring the Credit Builder Cash Rewards card. To keep using your Chime account, choose the option that’s best for you below. If you don’t choose, we’ll automatically move you to a Credit Builder account so you can keep building credit.
Upgrade to the Chime Card
One balance across your secured credit and debit card spending.
Keeps Credit Builder benefits.
Adds 1.5% cash back* (with eligible direct deposit).
Switch to Credit Builder
Keep building credit safely.
No cash back.
Close Credit Builder Cash Rewards Card
Will no longer build credit.
Closing could impact your credit score.
Do I have to upgrade?
No, but the Credit Builder Cash Rewards card will no longer be available. You can:
Upgrade to Chime Card to keep rewards.
Switch to Credit Builder to keep credit-building only, Or
Close your Credit Builder Cash Rewards card.
If I upgrade to Chime Card, what changes?
You’ll earn 1.5% cash back* on rotating categories (with eligible direct deposit).
You’ll have one combined balance for debit and credit.
You’ll keep safe credit-building, no fees, and no interest.
You’ll get a new physical and virtual card (your Credit Builder Cash Rewards card will no longer work).
What if I don’t take action?
You’ll lose access to the Credit Builder Cash Rewards card. You can upgrade to a Chime Card, switch to Credit Builder, or close your Credit Builder Cash Rewards. If you don’t take action you’ll be automatically switched to the Credit Builder card.