Chime Deals generally require the use of a physical Chime card for redemption, and most do not work with Apple Pay, Google Pay, or other digital wallets. However, select Chime+ exclusive deals can be redeemed using a Chime card via Apple Pay. Always check specific offer details in the app.
Can I make purchases with Apple Pay ® to redeem deals on Chime Deals? Chime+ exclusive deals can be redeemed by using any Chime card through Apple Pay. At this time, however, all other deals cannot be redeemed using Apple Pay. You'll instead need to physically tap or swipe any Chime card when paying at the retailer.
Members can access Chime Deals directly from the app's Home screen. The process is simple: open the app, activate a deal, use a Chime card to pay, and receive cash back. Cash back from eligible purchases is automatically deposited into your Chime Checking Account within 10 business days.
Just tap or swipe any physical Chime card at the retailer to use your deal and earn cash back. Chime+ exclusive deals can also be redeemed online and through your digital wallet – just be sure to use any Chime card. You can see full redemption details for any offer in the Chime app.
You'll also get 3% Daily Cash back when you use your Apple Card with Apple Pay at your favorites like Nike, Uber, Walgreens, and more. Limitations apply.
To get $500 from Chime, use their MyPay® service by setting up qualifying direct deposits ($200+ twice in 34 days), which unlocks access to up to $500 of your future pay, fee-free within 24 hours or instantly for a small fee, with repayment automatically handled by your next paycheck. You must meet eligibility in your state and have direct deposit set up.
To get a Chime $200 bonus, you typically need to either be referred by an existing member and meet specific direct deposit criteria, or be eligible for their SpotMe feature which can cover overdrafts up to $200 after setting up qualifying direct deposits. The main path to a referral bonus involves a friend signing up with your link and getting a single $200+ direct deposit within 45 days, rewarding both of you.
When you link your Chime card to digital wallets, you can make payments without having your physical card present. You will need an active data plan or WiFi in order to make payments or transfers using a digital wallet.
If you can't add a card to Apple Wallet, check your device's iOS/iPadOS version, ensure your region settings match your card's country, confirm your card issuer supports Apple Pay, and verify you have Face ID/Touch ID/Passcode set up and two-factor authentication enabled for your Apple ID; restarting your device and ensuring a stable internet connection are also key steps to try.
Your funds should transfer within 1 to 3 business days.
If Apple Pay® isn't appearing as a payment option in your Chime app, it may be due to one of the following reasons: Your iOS device isn't supported. You haven't added an external debit card to your Apple Wallet®. Your Chime app isn't updated to the latest version.
To transfer money from Apple Pay to Chime, you'll move funds from your Apple Cash balance to your Chime account by initiating a "Transfer to Bank" in the Apple Wallet app, using your Chime account/routing numbers, or you can add money to Chime directly from an external debit card linked in Apple Wallet via the Chime app.
Chime doesn't give away completely free money, but offers cash bonuses, rewards, and early access to pay through specific programs, primarily tied to direct deposits or referring friends who meet deposit requirements (e.g., $200+ within 45 days). You can earn through referral bonuses, cash back with Chime+, perks, or by accessing early pay with MyPay, but these usually involve meeting certain financial behaviors or getting someone else to do so.
U.S. Bank offers a tiered bonus of up to $450 for new Smartly Checking accounts, requiring an initial $25 deposit and specific amounts in qualifying direct deposits (like paychecks) within 90 days, with the highest bonus for $8,000 or more in direct deposits, and you generally can't have had a U.S. Bank consumer checking account in the last 12 months to qualify for this promotion, which is available through January 28, 2026.
Chime's MyPay is a line of credit that lets you get up to $500 before payday. ^ There are no mandatory fees, no credit checks, and no interest* to get money when you need it. With MyPay, just log into your Chime app, see how much is available to you, and then choose how much you want to access.
To get $100 from Chime, the most common way is through their Referral Program, where you invite a friend who signs up with your link and gets a single qualifying direct deposit of $200 or more within 45 days, earning you and them a bonus (often $100 each). Other ways involve specific offers like some Boost Mobile deals or potentially accessing an Instant Loan, but referrals are the direct path to a quick $100 bonus.
$100 cash loan options
You can get "free money" with Chime primarily through their Referral Program (earn bonuses for inviting friends who meet direct deposit requirements), using Chime Deals for cash back on purchases, or through limited-time partner offers like InboxDollars or Boost Mobile for signup bonuses or recurring rewards with specific spending, but the main source of ongoing "free" funds involves meeting direct deposit criteria to unlock features like SpotMe (overdraft coverage) or earning rewards.