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About Chime® Coupons, Deals and Cash Back

Chime describes itself as “the No. 1 most-loved banking app.” It attempts to cut through the confusion and excess fees of most other banks to make it easier to store and use your money. Chime wants to make banking an enjoyable experience rather than a frustrating one, which is why it offers so many benefits.

Chime offers plenty of benefits, including a network of over 60,000 fee-free ATMs and SpotMe, an overdraft protection with no fees. It also offers direct deposit and a Visa credit card that allows you to increase your credit with no interest, annual fees or credit check to apply.

Chime is a helpful tool to manage your money, and many people prefer it to traditional banks. If you’re looking for a better way to handle your banking needs, Chime may be the perfect choice. You can learn more about Chime, including the various accounts available and the important legal information, on the company’s website.

Chime is an award winning financial app and debit card service. Getting the Chime app allows you to manage your finances on-the-go! You can get your Federal refund up to 5 days early when you file w/ the IRS & direct deposit w/ Chime¹

¹Chime cannot guarantee when files are sent by the IRS and funds can be made available.

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Cash Back Facts

Rakuten Members have been cashing in since 1999. Here's what members have earned so far from Chime®:

$6 per order
Average Cash Back
$24,190 Total
Cash Back to date

Shopping Secrets

• In addition to its checking account, which is what most people use at Chime, the company also provides a savings account. The account comes with several ways to boost your savings, including Round Up rules and Save When I Get Paid features that can help you put away money without having to remember to do it.

• Chime’s Pay Anyone feature is exactly what it sounds like: It lets you pay anyone instantly, even if they don’t have a Chime account. As long as they have a valid debit card, they can claim any payment you send. It’s also instant, and it requires no instant cash-out fees.

• People with bad credit may have a hard time opening a bank account, even if they have a significant amount of money. Bad credit can follow you for a long time, and traditional banks tend not to like to do business with people who don’t have good credit. The good news is that Chime has a Second Chance Banking option that offers a bank account with no monthly fees that doesn’t base its acceptance on credit scores.

• If you have a banking account with Chime, you can get your federal tax refund multiple days early. Not only can you get your refund up to five days early, but you’ll also get an alert as soon as your refund is deposited so you know when you have your money back.

Frequently Asked Questions (FAQ)

Does Chime offer cash back?

Chime provides users with easy ways to get cash back at specific locations and stores. The app’s ATM finder can identify thousands of cash-back locations across the country, so download the app for instant access to cash-back options.

How can I build credit for free with Chime?

You can build credit for free with Chime by moving your money from your checking account to your credit builder account. Verify a direct deposit of $200 or more and start building your credit with everyday purchases.

Does Chime offer discounts?

Chime offers limited-time discounts every now and then, including promo codes for first-time Chime users and special cash-back deals. To get notified about these amazing offers, create a Chime account or download the app.

How does Chime give you $200?

SpotMe is a free Chime service that allows its users to overdraft their accounts by up to $200 without any fees, allowing you to spend freely and then pay it back once you have the money. Users can automatically pay back what Chime covered without interest by applying the next direct deposit to the negative balance.

Shop Now at Chime® with $50.00 Cash Back

Offers Available

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Chime® Coupons, Promo Codes & Cash Back

Cash Back Terms & Exclusions

Exclusions: Cash Back is not available on the purchase or redemption of gift cards.

Special Terms: Must be a new Chime member, set up payroll direct deposit, and receive your first paycheck within 30 days of signup. Must make a minimum first payroll deposit of $200 to qualify. The qualifying direct deposit must be made by the individual’s employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
*The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of October 25, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.
**Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
^Chime SpotMe® is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
2Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Limited to one per member.

Use of coupons or promotional codes not listed on Rakuten may void Cash Back.

Posting Time: Cash Back will be automatically added to your Rakuten account within one week.

Cash Back Categories

Categories Cash Back
Categories Cash Back
Chime Direct Deposit $50.00

Department Sale

To get the $100 reward, enter your promo code, enroll and make your first qualifying Direct Deposit within 30 days of enrolling** + $50.00 Cash Back
** To be eligible for the $100.00 direct deposit promotion (the “Promotion) monetary reward, the participant (“Participant”) must: (1) have never previously opened a Chime Checking Account (“Account”) before participating in this Promotion; (2) obtain a promotional code from either one of Chime’s official affiliate partners via webpage or email; (3) enter the promotional code into the designated field labeled “Promo Code” on the specified promotional webpage and receive a green success notification tag; (4) successfully open an Account; and (5) receive a Qualifying Direct Deposit to their Account within 30 days of opening an Account. A Qualifying Direct Deposit is a deposit of $200 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a Qualifying Direct Deposit are not Qualifying Direct Deposits. Eligible Participants may only receive this promotional reward once. Participants who satisfy the above conditions will receive a $100.00 credit to their Account typically within ten (10) business days after receiving the Qualifying Direct Deposit. This Promotion will run through January 8th, 2026 or as otherwise designated by Chime. Chime reserves the right to amend the Promotion duration and may permit Participants to enter a valid promo code after the listed date. In the event that the Promotion has ended, Participants will receive a “not a valid promo code” message after they enter the applicable promotional code, so that the Participant knows they are not eligible for the monetary reward prior to enrolling in an Account. Chime reserves the right to cancel or modify the Promotion terms or terminate the Participants’s eligibility at any time with or without prior notice. An Account may be available to citizens or legal permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia; who are at least 18 years of age with a valid Social Security number; and who provide Chime with a U.S. residential street address (not a P.O. Box). Credits of $600 or more shall be reported on tax form 1099-MISC. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Code: GIVE100
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