Debit Cards
Chime® Debit Card Review
A debit card with no monthly fees and no minimum balance sounds like a good idea, doesn't it? Check out our Chime® Debit Card review to see how it works!
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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Chime® Debit Card: No monthly fees or minimum balance requirements!

A debit card is a great option for anyone. In this sense, choosing the Chime® Debit Card can help you organize your finances. So, read our Chime® Debit Card review to learn more about this card!
This option is versatile and doesn’t have a lot of associated fees, allowing you to put it to good use. Check out more about the card!
- Credit Score: Does not disclose;
- Annual Fee: No monthly fees;
- Regular APR: N/A;
- Welcome bonus: None;
- Rewards: N/A.
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How does the Chime® Debit Card work?

The Chime® Debit Card can be a great option for anyone who needs a card with no overdraft fees or monthly fees.
It allows advance payment of up to 2 days. In addition, it has no additional maintenance and service fees and an extensive network of ATMs.
Chime® Debit Card pros and cons
Like every debit card option, the Chime® Debit Card has pros and cons. It has no monthly fees as its main benefit. In addition, it allows the anticipation of the deposit for up to 2 days.
Therefore, check out the pros and cons of this card below!
Pros
- No monthly fee;
- No minimum balance;
- No overdraft fees;
- Early access to direct deposits up to 2 days in advance;
- There is a wide network of ATMs, with over 60,000 spread across the country.
Cons
- Difficulty making cash deposits, which can only be made with Chime partners, and a fee may still be required;
- Extra charges for ATM transactions outside the official network.
Does my credit score need to be good?
The official websites and Chime® Debit Card reviews are unclear about the required credit score. However, since it’s a debit card, you’ll probably only need to create your account to be able to apply and get the card.
Want to apply for the Chime® Debit Card?
The Chime® Debit Card can be a great option for anyone who needs a card with no monthly fees and other perks. Also, there are no monthly fees, and you can grow your savings with the help of this account!
However, in order to have access to the services of this card, it is important to make the request correctly. So, check out how to apply in today’s article.
Apply online

You can apply online or through the app. To apply, you must be over 18 years of age and have an address and social security number. This data is requested at the time of creating your Chime account, which is necessary to get your card!
The more complete the information provided, the greater the chances of quick approval. Most people get a positive response because it is a debit card and may not require your credit score.
Apply using the app
If you like to manage everything on your smartphone, you can use the mobile app to manage your account and all your finances related to your Chime account or debit card.
And the app is available for both Android and iOS operating systems. However, you’ll need to sign up through the website to create your account.
Chime® Debit Card vs. Extra Debit Card
The Chime® Debit Card has many benefits and no monthly fees. This makes life a lot easier for those who need to save money. However, there are no rewards programs.
Another option would be the Extra Debit Card. This card is a debit card that builds credit. However, if you want to focus on rebuilding your credit, it offers some plans to help you. Check out the comparison.
Chime® Debit Card
- Credit Score: N/A;
- Annual Fee: There are no monthly fees;
- Regular APR: N/A;
- Welcome bonus: None;
- Rewards: N/A.
Extra Debit Card
- Credit Score:
- Annual Fee: $8 or $12 per month, depending on the plan;
- Regular APR: N/A;
- Welcome bonus: none;
- Rewards: credit building plan for a fee.
If you think that the Extra debit card fits your financial profile better, you can check out our post below to learn how to apply for it!
Applying for the Extra card: learn how!
Applying for the Extra debit card is as easy as using it. You can earn benefits with a debit card while you build credit with no risk of debt. Read on to get yours.
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