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.
Please use my code and get $50 with my code: https://chime.com/r/victoriagoldberg
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.
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
get $50 with my code: https://chime.com/r/victoriagoldberg
open a Chime bank account and set up direct deposit! Get your paycheck up to 2 days early and say goodbye to ridiculous bank fees.
Use my referral code and we both receive 50$!!! Plus with direct deposit you can get paid 2 days early! So use my referral and let’s get paid! Thank you!! https://chime.com/r/leviroberts
I have a fresh Chime referral link, good for $50!!!
https://chime.com/r/felipeortiz3
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.
Great alternative to standard banking. Use my referral and help us both out. Please and thank you https://chime.com/r/leviroberts
Chime is a great card to use for your direct deposit you get paid 2 days early. Here is my referal code please use me as your referal and we both receive $50!!! https://chime.com/r/frankieroberts3
Thank you for using my referral code! Very appreciated.
https://chime.com/r/ryankavanaugh1
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
Hey y’all, if y’all want $50 dollars in your account when signing up, please use my referral link so we both can get paid. Here is the link!
https://chime.com/r/normanellsworth
https://chime.com/r/alexanderthompson10
Join using my $50 referral link
Thank you
If interested here is my link. Thanks
https://chime.com/r/johndenman
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/
https://chime.com/r/jameebaillergeau
Join using my referral code . Good luck 👍
This is my link to $50 bonus https://chime.com/r/lyudmilaanisimova
Check it out! It worked like a charm. My paydays are on Friday, I got paid Wednesday night with Chime. And as soon as I received my DD, $50 bonus was deposited 2 MINUTES later. Love it!
Get $50 when you open a Chime account and set up direct deposit!
https://chime.com/r/victoriagoldberg
hey there!
Here’s my link: member.chimebank.com/join/jamesdodson4
I was able to initiate the bonus using the Cash app for the direct deposit
Hope that helps
Thanks you
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
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/lyudmilaanisimova
Sign up today and we both get $50! Extra money is great!
I would like a chime csrd
We’ll both get $50 when you open a Chime bank account and set up direct deposit!
https://chime.com/r/tonimoxey
Many thanks in advance to anyone who uses my referral: https://chime.com/r/ericshan
We’ll both get $50 when you open a Chime bank account and set up direct deposit!
https://chime.com/r/victoriagoldberg
Please use mine if looking to set an account up! This is an awesome bank and love it to death! 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/ianbarnes
get $50 when you open a Chime bank account and set up direct deposit! https://chime.com/r/victoriagoldberg
https://chime.com/r/normanellsworth
Might as well to try it lol, I could use the extra money like you!
Not sure if people still check this hah, but if you’re looking for that extra 50 bucks (like i am), here’s my link!
https://chime.com/r/normanellsworth
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
https://chime.com/r/ryanhawkins3, join and we both get $50 when you direct deposit $200 within 45 days
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://member.chimebank.com/join/daviddawson4
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?
I would love to sign up with you do you have skype?
Please use my referral code https://member.chimebank.com/join/daichyainerhines <use please
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!
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://member.chimebank.com/join/daviddawson4
Please use my link: https://member.chimebank.com/join/michaelcaldwell22 to qualify for the $50 for $50 offer as well.
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!
https://member.chimebank.com/join/taylorcortez
Promo code $50(:
Receive a $50 bonus when you sign up for Chime and setup direct deposit:
https://member.chimebank.com/join/yonikawilson
Receive a $50 bonus 🤑 when you sign up and setup direct deposit, there are never any bank and decline fees:
https://member.chimebank.com/join/yonikawilson
please use my referral link!
https://member.chimebank.com/join/dylansulcjohnson
join using my referral link
https://member.chimebank.com/join/ryanhawkins3
sign up with my referal linkand we’ll both getn$50 when you direct deposit $200 in 45 days
https://member.chimebank.com/join/ryanhawkins3
Use my code
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://member.chimebank.com/join/kennethjenkins6
Use my refferal code https://member.chimebank.com/join/gregoriaramirez
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://member.chimebank.com/join/nandiadams
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
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.
get $50 when you open a Chime bank account and set up direct deposit! You get your early. Check it out: https://member.chimebank.com/join/victoriagoldberg
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://member.chimebank.com/join/jacobanhalt
We’ll both get $50 when you use my code. Check it out: https://member.chimebank.com/join/victoriagoldberg
Receive $50 when you setup direct deposit:
https://member.chimebank.com/join/yonikawilson
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://member.chimebank.com/join/victoriagoldberg
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
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://member.chimebank.com/join/victoriagoldberg
Use my refferal code to get $50.00 once you have a direct deposit of 250.00 or More I’ll also send you another 10 dollars of my money.
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
Please use the link below to earn $50 after direct deposit. Offer expires May 31st.
https://member.chimebank.com/join/danielbush
https://member.chimebank.com/join/michellebauman
Currently “$50 for you, $50 for me” promo going on until May 31st. This is the highest bonus they have ever offered, so now is the time if you were considering trying out this free service. Thank you.
https://member.chimebank.com/join/aaroncastro2
$50 referral bonus
The referral bonus is $50 from now until May 31 :D (which you’ll receive if you get a direct deposit of at least $200 within 45 days)
My referral link is member.chimebank.com/join/alishataylor4
Thanks you :)
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.
I have maxed out on referrals for 2018. I recommend using Gadget’s link posted above. Thanks.
2019 reset my referral count and my link above is valid. 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.
I’d love if you signed up with my referral link!
https://member.chimebank.com/join/alishataylor4
I love my Chime bank :) Switching over was the best decision ever.
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! :)
the switch to the bank account that pays them up to two days early.1
member.chimebank.com/join/amyrice4
Thank you for anyone who might use my $25 referral link; https://member.chimebank.com/join/alanoncken
member.chimebank.com/join/mingmeicai
Get$35for using my referral link
Hello Please use my referral link! College student here, I would greatly appreciate it!
Please use below link for 25$ referral bonus on DD of 200$
https://member.chimebank.com/join/rameshkommuri
Please use below link for 25$ referral bonus on DD of 200$
https://member.chimebank.com/join/kamfattung
Thank you for posting this, Michael. I have used your referral link within the above article for the period expiring on November 30, 2017. Hope you get some referral rewards.
please use below link for 25$ referral bonus on DD of 200$
Please use below link for 25$ referral bonus on DD of 200$ https://member.chimebank.com/join/fnutarun
Get $10 bonus when you load $25+ with a new Chime account.
https://member.chimebank.com/join/kaylahbuckner
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.
sign up using my referral link
Let’s earn a little money together! Here is my referral link,
http://www.chimecard.com/join/mh18119-16
My favorite offers are for utilities, cell phone bill and internet. Use them quickly because they run out fast.
Please help those in need today by signing up each oerson that signs up the bonus i recieve goes to charity American breast Cancer society and a bunch more!!! So please help others by signing up today!!!
Please use this referral link to earn $10 and the $10 i recieve goes to charity! Referral link
I just created an account in chime and got 10$ instantly! Please use my referral link to join chime to get 10$ after you fund 50$!!
http://chimecard.com/join/km36725
My family and I would be so grateful if you signed up using my referral link referral link. Thank you!