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1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errorsChime offers two different cards: a Visa debit card that spends money in your Chime Checking account, and the secured Chime Card, a Visa credit card backed by funds held in a Secured Deposit Account. The distinction matters: debit purchases use your checking balance, while Chime Card purchases are credit activity supported by secured funds. Chime’s app shows an “Available” balance for spending, but each card works differently.
What type of cards does Chime offer?
Chime provides a checking-linked Visa debit card and a separate secured Visa credit card called Chime Card. They are not interchangeable products, even though both are connected to a Chime Checking relationship.
| # | Preview | Product | Price | |
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MasterCard Virtual eGift Card | $54.95 | Buy on Amazon |
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MasterCard Virtual eGift Card | $105.95 | Buy on Amazon |
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Transaction Register Book: Debit & Credit Transaction Logbook/Checkbook/Ledger for Tracking Checking... | $6.99 | Buy on Amazon |
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Visa Virtual eGift Card | $105.95 | Buy on Amazon |
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MasterCard Virtual eGift Card | $206.95 | Buy on Amazon |
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| Feature | Chime Visa Debit Card | Secured Chime Card |
|---|---|---|
| Transaction type | Debit purchase using checking-account funds | Secured credit-card purchase backed by funds in a Secured Deposit Account |
| What supports spending | Available funds in Chime Checking | Secured funds and the spending capacity shown in the app |
| Credit reporting | Not described as the secured card’s credit-building activity | Chime says applicable activity is reported to TransUnion, Experian, and Equifax |
| Cash access | Visa debit card ATM access; fees may apply depending on ATM or service | Consult the card agreement for applicable cash-access terms |
| Rewards | Not established on the debit-card product page cited here | Conditional cash back may be available to qualifying Chime Plus or Prime members |
| Bank provider | The Bancorp Bank, N.A. or Stride Bank, N.A., depending on the account | Check the agreement associated with your account |
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Which bank and agreement apply depends on the customer’s account. Review Chime’s policies and agreements for the documents specific to your account.
How does the debit card work with your money?
The Chime Visa Debit Card is linked to Chime Checking. When you make a debit purchase, the amount comes out of the checking-account funds available for that transaction. Chime says the card can be used wherever Visa is accepted, and the account includes mobile-wallet availability, transaction notifications, and in-app controls such as blocking the card.
#1 Best Overall
- Mastercard Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Condition: a.co/9V5i70m
- When you access your Mastercard Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Mastercard Virtual eGift Card is non-reloadable. No cash or ATM access. - Mastercard Virtual eGift Cards are emailed active.
- Funds do not expire but your Mastercard Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call Mastercard customer service for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Chime advertises access to over 47,000 fee-free ATMs on its debit-card page. That company-published figure does not mean every ATM or cash transaction is free: out-of-network ATM and over-the-counter advance fees may apply, as can charges for optional services. Check the current fee disclosures and account terms before relying on a particular cash-access option.
How does the secured Chime Card work with your money?
Chime Card is a secured Visa credit card paired with Chime Checking and a Secured Deposit Account. Funds in the secured account support the card’s spending capacity, which Chime presents in the app as an “Available” balance. A purchase on this card is credit-card activity backed by secured funds, rather than a direct debit purchase from checking.
Rank #2
- Mastercard Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Condition: a.co/9V5i70m
- When you access your Mastercard Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Mastercard Virtual eGift Card is non-reloadable. No cash or ATM access. - Mastercard Virtual eGift Cards are emailed active.
- Funds do not expire but your Mastercard Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call Mastercard customer service for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Chime’s product information describes the option to choose the debit or credit card for a purchase. That choice changes which card transaction you make: the debit card draws on checking funds, while the secured card uses its credit-card structure and secured backing. Follow the app’s displayed balance and the terms of your specific card agreement to understand what is available to spend and how transactions are handled.
Can the Chime Card help build credit?
Chime says it reports applicable card activity to TransUnion, Experian, and Equifax. On-time payment history may help credit, while late payments may hurt it; neither approval nor use guarantees a higher credit score. Credit scores reflect multiple factors, so reporting the account does not promise a particular result. See Chime’s credit information and your card agreement for the applicable reporting and payment terms.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Are rewards available on the secured card?
As of Chime’s June 1, 2026 explainer, qualifying direct deposits can make Chime Plus members eligible for 2% cash back or Chime Prime members eligible for 5% on eligible secured-card purchases, up to $1,500 per month. These are conditional tiers, not an automatic reward on every Chime card or purchase. Eligibility requirements and exclusions apply; consult the current rewards addendum and disclosures for full terms.
Quick Recap
Best Value
- Mastercard Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Condition: a.co/9V5i70m
- When you access your Mastercard Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Mastercard Virtual eGift Card is non-reloadable. No cash or ATM access. - Mastercard Virtual eGift Cards are emailed active.
- Funds do not expire but your Mastercard Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call Mastercard customer service for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Rank #4
- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Which Chime card should you use?
- Use the debit card when you want a purchase to come directly from funds in Chime Checking.
- Use Chime Card when you want to make a secured credit-card purchase supported by the Secured Deposit Account, with applicable activity reported as Chime describes.
- Check the app and account documents before spending, withdrawing cash, or counting on rewards; the available amount, fees, issuer, and terms depend on the product and your account.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
