The Chime Visa Prepaid Card has updated their referral program to provide new card members with a $50 sign-up bonus when you join via a current member’s referral, plus current members will earn a $50 referral bonus for each new member that you refer, and you can earn special shopping rewards when you use your Chime card at participating merchants.
New Chime Card members can join via this Chime $50 Bonus Link (provided by reader Alisha in comments) AFTER June 1, 2018, to earn a $50 sign-up bonus when you receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened (please see fine print on bottom of promo link’s landing page for details about $50 bonus offer).
Updated June 5, 2018: Please note that the current referral offer for the Chime Card provides a $50 bonus. The referral bonus amount may vary between different user’s accounts, but the referral links in this article will provide a $50 bonus for new users.
About Chime Card
Chime is an online-only bank with none of the typical banking fees that provides you with a Chime Visa Debit Card, a Spending Account, and an optional Savings Account that are all easily managed through their website and app.
There are no monthly service fees, no minimum balance requirement, no overdraft, no foreign transaction fees, no transfer fees, and over 30,000 fee-free MoneyPass ATMs where you can get cash.
The Chime prepaid card is basically a reloadable debit card that may be used everywhere Visa debit cards are accepted.
You’ll earn instant cash back to your card when you shop at Chime’s partner merchants with no coupons required including up to $100 in Chime rewards at participating stores and restaurants near you every month.
Plus, you can earn a $50 bonus for each friend that you refer who opens a Chime prepaid card account, and your friends will earn a $50 sign-up bonus when they join via your referral.
Chime Prepaid Card $50 Sign-Up Bonus for New Customers
New customers can sign up via this Chime Card $50 Referral Bonus Link to get a $50 bonus when you apply for the Chime Card.
In order to qualify for the $50 bonus, you must enroll using the above referral AFTER June 1, 2018, successfully pass ID verification, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.
When the new customer completes the above actions, both parties will qualify for the $50 rewards.
Please note that the above referral link is provided by a user that has access to the “$50 for $50 referral reward campaign,” which you can see within the fine print on the bottom of the referral landing page, and not all Chime users will have access to this same referral offer.
Chime Prepaid Card $50 Referral Bonus Program
The Chime card referral program offers current members a $50 bonus for each new customer that you refer who signs up for a Chime prepaid card account.
Plus, new customers will also receive a $50 bonus, so everybody benefits.
However, it’s important to note that Chime is currently offering multiple different versions of the referral program for customers right now, so check your account carefully to see which offer you have access to.
When you click through a referral link, you can also check the fine print on the bottom of the sign-up page to see for which offer you are qualifying.
Please feel free to share your Chime referral links in the comments below this article.
Referral Program Terms
In order for both parties (the referred friend and the referring Chime member) to qualify for and receive the $50 referral reward, the following conditions must be met:
- The referred friend must open a new Chime Spending Account using the referring Chime member’s unique referral link AFTER June 1, 2018, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.
- The payroll direct deposit must be made by an employer or payroll provider by an ACH deposit. Bank ACH transfer, Pay Friends transfers, verification or trial deposits from financial institutions, transfers from PayPal or Venmo, and cash loads do not qualify as a payroll direct deposit.
- Referring Chime member must be part of the $50 for $50 referral reward campaign in order for both parties to be eligible for the $50 referral reward.
- The referral reward is paid to both parties within 2 business days after qualifying funds are first deposited into the referred friend’s Spending Account.
- Eligible referring Chime members can earn no more than $500 in referral rewards per calendar year (January 1, 2018 – December 31, 2018).
Chime Automatic Savings Account
The Chime Savings Account is a free automatic savings option that allows you to set money aside for any savings goals that you may have.
You simply enroll in Automatic Savings for free, and you’ll then save money automatically with every Chime prepaid card purchases that you make or when you direct deposit your paycheck.
Whenever you make a purchase with your Chime prepaid card, Chime will automatically round up each purchase to the nearest dollar and transfer the round-up amount from your Spending Account to your Savings Account.
You can also opt to automatically transfer 10% of every paycheck directly into your Savings Account, so that you can achieve your financial goals faster.
The Chime Savings Account is a free and optional account that you can activate once you open your Chime Spending Account with the Chime prepaid card.
Chime Prepaid Card Shopping Rewards
Chime offers 2 different types of rewards including Store Credit and Earned Credit:
Store Credit:
Chime’s store credit rewards are simply a free credit that you can use at a select merchant.
For instance, you may have a $5 store credit on your Chime card that is good at Moe’s Diner, so you simply have $5 in free credit to spend when you use your Chime card at Moe’s Diner.
Once the offer has been spent, it will no longer be available for you.
Earned Credit:
Chime’s earned credit rewards are credited to your Chime card account once you’ve spent a certain dollar amount at one of Chime’s partner stores or restaurants.
For instance, Moe’s Diner may offer a $5 credit once you’ve spent $50 with them on your Chime card, so when you’ve reached the $50 goal, a $5 credit will automatically be applied to your account.
The Chime rewards offers rotate about every 30 to 60 days, and any offer that is available to you will show up in the Offers section of your online account or in their mobile apps.
Chime Prepaid Card Fees and Usage Details
Chime has no minimum balance, monthly fees, or overdraft fees.
The Chime card used to have a $5 monthly maintenance fee, which was only charged after 180 consecutive days of no purchases, withdrawals, or deposits to your account, but I don’t see any evidence of this fee listed in their terms at this time.
Other fees include:
- Domestic Cash Withdrawal Fee for both transactions made at an ATM and Over-The-Counter “OTC” withdrawals: $2.50 per transaction.
- ATM Balance Inquiry Fee: $0.50 per transaction.
- International Transaction Fee: 3% of the total purchase amount.
- International Cash Withdrawal Fee for both transactions made at an ATM and Over-The-Counter “OTC” withdrawals: $2.50 + 3% of the total withdrawal amount.
- Check Refund Fee: $5.00 per check issued.
- Express Card Replacement Fee: $25.00 per card issued.
You can add money to your Chime card via a direct deposit, bank transfer, another bank’s debit card, and cash through Green Dot MoneyPak.
Chime will never charge you a fee to load funds to your account, but a fee does apply when loading funds through Green Dot MoneyPak.
Chime also does not check your credit when you open an account, and they don’t report to any credit bureaus about your account usage, so this is a viable prepaid card option for those with less than stellar credit scores.
Take advantage of Chime for a rewarding alternative to your debit card that provides access to $100 in Chime rewards at participating local merchants near you each month.
A special thank you goes out to Doctor of Credit for originally alerting me to the Chime Card offers and for letting me know that the Chime referral program once was perpetually extended each month, and check out their review for possible manufactured spending opportunities with the Chime prepaid card.
Please feel free to share your Chime prepaid card referral links in the comments below this article, and start a referral conga line, so that everybody can get the $50 bonuses.
Hello! My referral link is below. Have a great day!
We’ll both get $50 when you open a Chime bank account and set up direct deposit. https://chime.com/r/robertkotec
https://chime.com/r/frankieroberts3
EY EVERYONE IF YOY USE MY REFERAL LIKE WE BOTH GET $50 INSTANTLY WHEN U MAKE A QUALIFYING DEPOSIT OF $200. I LOVE MY CHIME ACCOUNT I GET PAID 2 DAYS EARLIER THAN EVERYONE ELSE I WORK WITH WHICH REALLY COMES IN HANDY. YOU CAN ALSO SET UP YOUR ACCOUNT TO WHERE 10% OF YOUR CHECK GOES STRAIGHT INTO YOUR SAVINGS ACCOUNT. FOR EVERY REFERAL USED OF MINE THE $50 GOES INTO MY SAVINGS ACCOUNT WHICH IS GOING TO BE USED FOR MY DAUGHTERS DISNEYLAND FUND SO HOPEFULLY WE CAN GO THIS SUMMER! HAPPY SPENDING EVERYONE HAVE A BLESSED DAY!!
FREE MONEY!!!! We’ll both get $50 when you open a Chime bank account and set up direct deposit! Get your paycheck up to 2 days early and say goodbye to ridiculous bank fees. Check it out: https://chime.com/r/leviroberts
We’ll both get $50 when you open a Chime bank account and set up direct deposit! Get your paycheck up to 2 days early and say goodbye to ridiculous bank fees. Check it out: https://chime.com/r/zacharythomas12
Sorry I mistyped my referral link. It is
https://chime.com/r/johndenman
The $50 posts instantly with your $200
deposit. Thanks to anyone interested.
John d.
Chime is a neat bank, with early payday and the $50 bonus and referrals.
Here is my link if interested. Thanks
https:chime.com/r/johndenman
Help a poor college student out! https://chime.com/r/jamesmacdougall
:D
We will both get $50 when they open an account with your referral link and receive a direct deposit of $200 or more within 45 days of signing up.
https://chime.com/r/vishalpallerla
Get $50 when you open a bank account with Chime and set up payroll direct deposit and deposit $200 within 45 days of account opening! Plus, you’ll get paid up to two days early when you get your paycheck deposited to your Chime account. You should try it out:
We’ll both get $50 when you open a Chime bank account and set up direct deposit! Get your paycheck up to 2 days early and say goodbye to ridiculous bank fees. Check it out: https://chime.com/r/tonimoxey
We’ll both get $50 when you open a Chime bank account and set up direct deposit! Get your paycheck up to 2 days early and say goodbye to ridiculous bank fees. Check it out: https://chime.com/r/victoriagoldberg
Thanks to anyone who uses my referral link!
httpl://member.chimebank.com/join/colinkavanaugh
An easy way to get the direct deposit is by transferring money from another bank account. Chase, Discover, Ally, PNC, Huntington, and TD Bank are all reportedly working as a direct deposit. The Cash App has been seeing mixed success.
Hey there!
Please use my link to join if this info helps!
member.chimebank.com/join/jamesdodson4
Just loaded my new chime card with the CASH app. This worked for the payroll direct deposit! And I received my $50 bonus as soon as my deposit hit.
step1 : I used the bank information that came with the card and linked it to the Cash app(referral for cash app for $5 cash.me/appLLDFRJH)
step2: I transferred the $200 into the cash app via my linked debit card which was instant
step3: I withdrew the cash from the app to the chime cards banking info (this took less than 2 business days)
step4: The $50 bonus hit my account the same time as the deposit! I then withdrew the $250 FEE FREE from a moneypass ATM
Enjoy the easy and free money
I used a friends referral link to enroll, I received a direct deposit that was well over the $200 minimum exactly 45 days after opening the account. when I spoke to customer service about the $50 reward for my friend and I , I was told I didn’t qualify because I didn’t use the link, then I was told my deposit was made 47 days after opening the account. Neither of which was true.
As requested from chime support I emailed chime and included a screenshot of the link my friend sent. Several days later I received a response stating that after looking into the matter the reason I didn’t get the referral bonus was because my friend already had an account with Chime. This is correct my friend was the one who referred me, of course he already had an account!. Like the previous reasons given as to why I didn’t receive the bonus it was not valid. Customer service is a joke I was lied to as well as called a liar. I wanted to like Chime but feel Chime is lacking in integrity and business ethics.
Here’s a tip: PayPal and Wells Fargo ACH count as Direct Deposit for Chime Bank. Anyway, I would love it if you used my referral code. Thanks for your consideration!
https://member.chimebank.com/join/patricklangford
ACH transfers from many different banks have been found to trigger the Direct Deposit (DD) criteria. Reported as Working:
Ally
Blue Bird
Chase
Circle Pay App
Discover
Hancock Whitney
Huntington
NWFCU
PNC
Serve
TD Bank
Not working/mixed results:
Schwab
Square Cash App
Wells Fargo
Just set up a $200+ external transfer at the other bank and transfer into your new Chime account. Viola! Good luck!
https://www.chimebank.com/r/jeffreyschwartz/
I have been fortunate enough to max out my referral limit for 2019. If you found my information helpful, please consider using the below link instead. Thank you.
https://www.chimebank.com/r/michellebauman/
I would love to sign up with you do you have skype?
Thank you for the $50 ! For anyone else!l? It really does work until you reach a certain limit. I’ve posted it to my friends and made $150 so if anyone wants to use my link I will cash app you $15 back once your reward shows on my chime card! Email me so I can send it Rachel.helpinghands@gmail.com for extra $15 on top of your $50 use my link https://member.chimebank.com/join/rachelneil
I think I’m gonna give chime a try… especially w promos like these. So what all do I need to do to get us paid lol?
Is your referral maxed out yet or can I still use this link?
Want a free 50 by signing up for chime? What got me was NO BANK FEES. No minimum to keep it open(: super convenient tons of free atms and you really do get your paycheck sooner.
https://member.chimebank.com/join/taylorcortez <~~~~ please use!
Hi, I just signed up for Chime because I am unable to open a bank account, I didn’t know about the referral, and I tried using your link and contacting customer service, but they wouldn’t let me use it because I had already signed up.
Can someone please help me out and use my link, you’ll get $50 for joining as long as you set up direct deposit of $200 or more with in 45 days.
https://member.chimebank.com/join/crystalgarofalo
is chime a prepaid account?
Yes, sort of. It’s more of a P2P payment app with a touch of prepaid card, similar to Paypal, but better in a couple ways. You can ACH in, and out to your other banks. You can send money to friends or pay bills. You can mail a check to people or businesses to pay bills. You get a Visa Debit card with your name, without a chip so not sure what the upgrade plan is on that, or maybe I didn’t get one because I never use the card. Not sure what else it does or doesn’t do well, because honestly, I hardly use it. But, they haven’t kicked me out so I like it.
If you feel I have helped you, please feel free to use my referral link on this page. Thank you.
https://member.chimebank.com/join/shannaswindle
The $50 deposit went into my account the same day as my direct deposit. Customer service responds quickly and everything is right there for you in the app. I’d be grateful to anyone that uses my referral link!
Sign up with this link to get $50. and make DD paychecks. But other ACH transfers also trigger the Bonus ie.: Square App deposit, Chase ACH external transfer, and TD Bank ACH transfer:
https://member.chimebank.com/join/kevinvanderkelen
Are you sure that a Square App deposit will trigger the $50 bonus? It sounded like only a Direct Deposit from an employer would get both parties paid.
Banks and bank products like this often have those terms saying govt benefit or payroll only, but those parameters usually aren’t well enforced. Bonuses are typically paid out automatically and the systems used typically see ACH as DD. I included data points of a list of banks on this page that have worked in the past for people. If you want to, please feel free to use my link on this page. Thanks and good luck!
I’m trying it out now. If I do do a payroll deposit does it have to be 200.00 or more in one deposit or can it be smaller deposits added up?
A Chase transfer worked for me.
Hello, I just used the referral link (provided by a fellow user named “Victoria” on this webpage) and created my Chime spending account and established the direct deposit of $200. Obviously there is cap of $500 bonus a current user can earn (in other words, the current member’s referral becomes invalid if it has been used by 10 people.) Since I just opened my chime account, my referral link is new. You are welcome to use it. I will come back to update if I reach the $500 referral bonus (a.k.a. link being used by 10 successfully established new accounts). Thank you for your win-win choice!
member.chimebank.com/join/meijieshen2
If you use my code we each get 50 dollars as a bonus! All you need to do is direct deposit at least 200 to chime! Here’s the link:
https://bit.ly/2xwn835
Get $50 when you open a bank account with Chime and set up payroll direct deposit and deposit $200 within 45 days of account opening! Plus, you’ll get paid up to two days early when you get your paycheck deposited to your Chime account. You should try it out:
https://member.chimebank.com/join/srikanthgokavarapu
https://member.chimebank.com/join/jeffreyschwartz
Been using Chime for a year now. Easy to avoid fees and works well. Please feel free to use my referral. This retired veteran thanks you.
Hello Alisha, I have posted your referral link within the above article for the latest Chime promotional bonus as of today (2/16/2018). Hope you earn some extra bonus cash. Thanks for commenting.
Thank you! :)
you don’t get a free 10% bonus added to your savings account monthly, they just take 10% of your direct deposits and put them in to your savings account…
the way you wrote it makes it seem like the savings account gives 10% interest :(
I just looked in to it a little further. the savings account does pay interest, .01% interest. lol.
from their site: “The current interest rate and Annual Percentage Yield for the Chime Savings Account is .01%” – source: https://chime.zendesk.com/hc/en-us/articles/221487887-Savings-Account-basics
Hello Rideshare Driver NYC,
The “10% bonus” that was previously in the article was in reference to Chime’s “10% round-up bonus program” that is no longer available.
Previously, when you made purchases on your Chime debit card, and they transferred the round-up amount from your Spending Account to your Savings Account, Chime would provide you with a 10% bonus on the round-up amount.
You could earn up to $500 in bonuses each year through the Chime 10% round-up bonus program.
However, it is no longer available, so I have updated the above article to remove any references to it.
They now have a different program that simply takes 10% of your direct deposits into your Spending Account and automatically transfers them to your Savings Account, which you mentioned.
Thank you for your comment and I appreciate your help.
Hey! I’m banking with Chime. It’s a bank account with no unnecessary fees, a savings account that helps you save automatically, and an app that allows you to manage all of your finances from your phone. You should try it out: https://www.chimecard.com/join/oj158413-12
can you send me the link? I don’t think your original links works. it just takes me to the regular sign up page
Hello Sarah, If you try the referral link at the top of the main article, it should lead to a page that shows a bonus upon sign-up. I’m seeing it working now. However, the bonuses for referrals do change and can be different for different users, just so you’re aware. Thank you and best of luck.