You can get a metal Chime card for free by qualifying for Chime Prime, or you can buy a titanium card for a one-time fee during signup. The primary method to get a metal Chime card is to meet the direct deposit threshold that unlocks the premium membership tier, which also raises the daily Chime card withdrawal limit. You must also satisfy the Chime card age requirement before any card can be issued.
What is a metal Chime card?
A metal Chime card is a premium debit card made from durable metal rather than plastic. Chime offers two metal card options: an onyx metal card available at no cost to Chime Prime members, and a titanium colored card available for a fee. These cards provide a sleek, sophisticated feel while delivering all the standard Chime features like instant transaction notifications, fee-free overdraft protection, and access to a large network of fee-free ATMs. The metal construction adds durability and a premium aesthetic that distinguishes it from the standard plastic card.
How to get a metal Chime card for free with Chime Prime
The free route to a metal card is through Chime Prime, a premium membership tier. Once you qualify for Chime Prime, you can choose the onyx metal Chime Card at no additional cost. There are no monthly fees, maintenance fees, or minimum balance requirements for Chime Prime, the only qualification is meeting the direct deposit threshold.
Step 1: Open a Chime checking account
Before you can pursue any metal card option, you need a Chime Checking Account. Sign up through the Chime website or mobile app by providing your personal information and verifying your identity. During this initial signup for the Chime Card, you have the option to upgrade to a premium Titanium color card for a one-time fee if you want a metal card immediately without waiting for Chime Prime qualification.
Step 2: Set up qualifying direct deposits
To qualify for Chime Prime, you must receive $3,000 or more in qualifying direct deposits over a rolling 34-day window. Set up direct deposit from your employer, government benefits provider, or other eligible income source. You can provide your Chime account and routing numbers to your payroll or benefits department to direct funds into your Chime Checking Account. Qualifying direct deposits include payroll, government benefits, and other recurring electronic deposits.
Step 3: Qualify for Chime Prime and order your free onyx card
Once your direct deposits total $3,000 or more within the rolling 34-day period, you automatically qualify for Chime Prime. Check your Chime Prime status in the app to confirm you have unlocked the premium tier. As a Chime Prime member, you can choose the onyx metal Chime Card for free. Navigate to the card management section in the app and select the onyx metal card option to place your order. The card will be mailed to the address on your account.
How to buy a titanium Chime card as a new member
If you want a metal card immediately and do not want to wait for direct deposit qualification, you can purchase a titanium colored card during the initial signup process. When signing up for a Chime Checking Account and the secured Chime Visa Credit Card, you can choose to upgrade to a premium Titanium color card for a one-time fee. Note that there is a conflict in official information: one official page states the cost is $50 plus applicable taxes during signup, while another states that a titanium colored Chime Card costs $35 plus tax for Chime Prime members. The verified fact confirms the $50 plus taxes cost for new members upgrading during signup, and the $35 plus tax cost for Chime Prime members upgrading to titanium.
What happens if you lose Chime Prime status
Chime Prime status is maintained by continuing to receive $3,000 or more in qualifying direct deposits over the rolling 34-day window. If your direct deposits fall below this threshold, your membership tier will change. This means you would no longer qualify for the free onyx metal card as a Chime Prime benefit. However, you would still have the metal card you already received, the change affects future eligibility for free replacements or upgrades, not the card currently in your possession.
Activate and use your new metal Chime card
When your metal Chime card arrives, activate it through the Chime mobile app or by following the instructions included with the card. During activation, set a Personal Identification Number (PIN) for ATM and point-of-sale transactions. Your metal card supports contactless payments, simply tap at compatible payment terminals for quick transactions. You can use the card at any ATM that accepts Visa or Plus network cards, and locate fee-free ATMs through the Chime app. If you ever need to temporarily disable your card, you can use the app to lock your Chime card instantly to prevent unauthorized use while you search for it.
Frequently asked questions
Are there any monthly fees for the metal Chime card?
There are no monthly fees, maintenance fees, or minimum balance requirements for Chime Prime, which provides the free onyx metal card. The only cost is the one-time upgrade fee if you choose the titanium card option.
How long does delivery take?
Delivery times vary by location, but you can typically expect to receive your metal card within one to two weeks after ordering.
What if my metal Chime card is lost or stolen?
Contact Chime immediately to report a lost or stolen card. They will guide you through replacing the card and securing your account. You can also use the lock card feature in the app to prevent unauthorized transactions while you locate the card.
Can I use my metal Chime card internationally?
Yes, you can use the metal Chime card for international transactions. Foreign transaction fees may apply, so review the fee structure associated with international usage before traveling.
