Chime Credit Card Reviews


Credit cards are a necessary evil, but they can be overwhelming to choose the right one. With so many options out there, it can be hard to know which one is best for you and your financial needs. Chime Credit Card is an intriguing option that offers plenty of features and benefits. But before you make the plunge, it’s important to read reviews of the card so you can understand all the pros and cons. In this blog post, we will discuss what makes Chime Credit Card unique, along with its reviews from real customers. Read on to find out if this card is worth your time and money.

What is the Chime Credit Card?

The Chime Credit Card is a credit card offered by the financial technology company, Chime. It is a Visa card that can be used anywhere Visa is accepted. The card has no annual fee and offers a 0% APR on purchases and balance transfers for the first 12 months. After that, the APR will be a variable rate, currently 14.99% – 24.99%. The card also offers cash back rewards of up to 1% on all purchases.

How Does the Chime Credit Card Work?

Assuming you are referring to the Chime Visa® Credit Card, here is how it works:

The Chime Visa® Credit Card is a credit card that is linked to your Chime Spending Account. When you open a Chime Spending Account, you will automatically be considered for a Chime Visa® Credit Card. If you are approved, you will receive a credit limit of up to $1,000.

There is no annual fee for the Chime Visa® Credit Card and you will earn 1% cash back on all purchases made with the card. The cash back rewards will be deposited into your Chime Spending Account on a monthly basis.

One of the great things about the Chime Visa® Credit Card is that it has a 0% introductory APR for the first 15 months from account opening. After that, the APR will be a variable rate, currently 14.99% – 23.99%.

Another great feature of the Chime Visa® Credit Card is that there are no foreign transaction fees. So if you travel outside of the United States, you can use your card without having to worry about any additional fees.

What are the Fees Associated with the Chime Credit Card?

The Chime Credit Card has no fees associated with it. There is no annual fee, no monthly fee, and no foreign transaction fee. This makes the Chime Credit Card one of the more affordable credit cards on the market.

How to Use the Chime Credit Card?

Assuming you already have a Chime account (if not, sign up here), using your Chime credit card is easy. Here’s how:

In the app:

  • Tap the “Move Money” tab
  • Tap “Transfer to my bank”
  • Select your linked bank account
  • Enter the amount you want to transfer and hit “Submit”

On the website:

  • Log in to your Chime account online
  • Click on the “Move Money” tab
  • Click on “Transfer to my bank” under the “Withdrawals” section
  • Select your linked bank account from the drop-down menu
  • Enter the amount you want to transfer and click “Submit”

Pros and Cons of the Chime Credit Card

Chime is a credit card that offers cash back on every purchase. It also has no annual fee, which makes it a great choice for people who are looking to save money on their credit card expenses. However, there are some things to consider before signing up for Chime. Here are the pros and cons of the Chime Credit Card:

-Earns cash back on every purchase
-No annual fee
-Great customer service

-Must have a Chime checking account to qualify
-No grace period for balances transferred from another credit card

Is the Chime Credit Card Worth It?

The Chime Credit Card is a great option for anyone looking to build or improve their credit. It offers a number of features that make it worth considering, including:

-No annual fee
-A low APR (Annual Percentage Rate)
-A grace period on interest charges
-No fees for late payments or going over your credit limit

If you’re looking for a credit card to help you build or improve your credit, the Chime Credit Card is definitely worth considering.


Chime credit cards are a great option for those looking to manage their spending and build their credit. With no annual fee, low APR rates, and online-based services that make it easy to track your finances, Chime is an excellent choice for budget-conscious consumers. Their customer service team is also highly rated which makes it even easier to get the most out of your card. We hope this article has provided you with useful information so that you can confidently decide if a Chime Credit Card will work best for you.