Chime Visa® debit card full review: should you get it?

Discover a debit card that offers much more than many of the cards in this category available on the market: easy management of your money and zero fees. Read our review on the Chime Visa® debit card!


by José Gonçalo

07/28/2022 | Updated on 08/05/2022

Chime Visa® debit card: have full control of your money without worrying about fees

Chime Visa® debit card
Learn all about the Chime Visa® debit card. Source: Chime

Indeed, the Chime Visa® debit card is an excellent tool for those who need to organize their financial life. With automatic systems, you can save and see your money pay off without paying any fees.

Chime logo

Chime Visa® debit card: check out how to apply!

More than just a debit card. Meet the Chime Visa® debit card, the card that will put you at the center of managing your money without charging you any fee.

So, find out if this card is for you, take a look at this full review and check out our table with more of this card’s features!

Credit ScoreAny score
Annual Fee$0
Regular APRN/A
Welcome bonusNone

Chime Visa® debit card: learn more about this financial product

Woman holding white credit card
Learn more about the card’s pros and cons. Source: Adobe Stock

In effect, debit card holders can only spend the money they have in their accounts. However, with Chime Debit Visa, you can make purchases of up to U$200 even with no balance in your account.

All this without paying any fees for it. By the way, fees are things you won’t see around here. Like all good debit cards, Chime is completely free.

Also, you won’t need to leave a minimum balance or make an initial deposit to use your card. With this card, you can even avoid ATM fees. To do this, just go to one of the 60,000 free ATMs.

You can even check on your mobile where the nearest authorized ATM is located. In addition, with this card, you can receive your salary two days in advance.

In addition, from your cell phone, you can program how much you want to save. Thus, the Chime Debit Card will automatically transfer the amount you have chosen to a savings account.

Once there, your money will work for you at a rate of 1% APY.

Chime Visa® debit card features

In fact, you already have a general idea of how advantageous the Chime debit card can be. However, now it’s time to go further and see other advantages and disadvantages of this credit option.

Below, check out a list of the main strengths and weaknesses of this card:

What are the benefits? 

  • Not a fee you need to worry about;
  • Automation so you can save your money without even realizing it;
  • Pay up to $200 even if you don’t have that balance available in your checking account;
  • 60,000 fee-free ATMs spread across the country at your disposal.

And what are the drawbacks?

  • To access the savings account, you must have a checking account;
  • You can find better savings with APY and some online banks;
  • To be eligible for purchases of up to $200 without balance (Chime SpotMe), you must deposit $200 each month;
  • Does not offer rewards.

What credit score do you need to get the Chime Visa® debit card?

Credit score and history are not a limitation. So, no matter your score, you can apply for this card.

How does the Chime Visa® debit card application process work?

Request your Chime Debit Card without leaving home. To find out how, read our post below!

Chime logo

Chime Visa® debit card: check out how to apply!

More than just a debit card. Meet the Chime Visa® debit card, the card that will put you at the center of managing your money without charging you any fee.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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