Chime Visa® Debit Card

Spending account with free debit card and no fees

Updated: Aug 27, 2022

Advertiser Disclosure

The Chime Visa debit card issued by Bancorp Bank comes with a free second chance spending account. The Chime debit card has no fees, fast approval, automatic savings and includes a savings account with 1.5% APY.




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30 User Ratings

Chime Visa® Debit Card

at Chime's Secured website

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Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • No opening fees
  • No monthly maintenance charges
  • No foreign transaction fees
  • No minimum balance fee
  • Get paid up to 2 days early with a direct deposit*
  • With optional SpotMe®, you can overdraft up to $200
  • 1.5% Annual Percentage Yield (APY) with a free savings account
  • 60K+ fee-free ATMs (Walgreens, 7-Eleven, CVS, and more)
  • Supports Apple Pay and Google Pay mobile payments
  • Free card replacement
  • 2 minutes application with no impact on your credit score

Our Take

Chime Visa debit card is a free card that comes as part of a Chime second change spending account. The card is issued by Bancorp Inc and offers attractive features such as no international transaction fees, no minimum balance requirements, and free card replacements. Chime also offers a free savings account and fee-free overdraft feature with an optional SpotMe service. The Chime Visa debit card is not a prepaid card – Chime vs Netspend.

Chime Visa Card Benefits

  • No fees. As simple as that – Chime has no fees. There are No account opening fees, No account maintenance fees, No foreign transaction fees, No card replacement fees. However, there is an Out-of-network ATM fee.
  • Grows savings. Chime services come with automatic savings feature and a free savings account that offers high APY rates.
  • Get paid earlier. With Chime you get your paycheck up to 2 days earlier.
  • SpotMe (Optional). SpotMe allows cardholders to have a fee-free overdraft. Service is optional and has eligibility requirements.
  • Wide ATMs Network. Chime gives access to over 60,000 ATMs nationwide at stores you visit and love – 7-Eleven, Walmart, CVS, Walgreens, and more. Use the Chime app to find the closest fee-free ATM.

Chime Visa Debit Card Competition

Frequently Asked Questions

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Basic Information
Issuer: The Bancorp Inc.
Network: VISA®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • No Foreign Transaction Fee
  • EMV Chip
  • No Credit / New to Credit
  • Pre-Qualification
  • Debit Card
Rewards: No
Rates & Fees
Annual Fee: $0
Opening Min: $0
Application Fee: $0
ATM Fee: $0
Other Fees:
  • Int'l Transaction Fee: $0
  • Card replacement fee: $0

Chime Visa® Debit Card Alternatives

Chime Visa® Debit Card

Chime Visa® Debit Card


Annual Fee


Regular APR


Intro APR


Rec. Credit Score

Accepts All

Additional Information & Comments

- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
* - Early 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.
⌃ - 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.
- Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
- 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 July 13, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

*The information provided for Chime Visa® Debit Card is believed to be accurate at the time of evaluation or recent update on August 27, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Chime Visa® Debit Card

Reviews - (1 User Reviews)
Share your experience and rate the Chime Visa® Debit Card
October 7, 2021
Sara (36-45) - Applicant
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Gonna get it

I like this card as it is better then any prepaid because it had no fees. Big plus is that it comes with auto savings that lets me grow my savings without even knowing. I applied for it and waiting for card to arrive. Thank you!
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Chime Visa® Debit Card

Chime Visa® Debit Card

Rec. Credit Score: Accepts All

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