Chime Deals®: How to Get Cash Back on Everyday Purchases

Chime Deals helps Chime members get cash back at retailers they use every day. Once you activate a deal, just swipe or tap any of your Chime cards (credit or debit) to pay and see a little return along the way. Your deals travel with you, whether it’s down the road or cross country.

Available deals are shown in the app, so you can’t miss them! We want you to be able to act on any of the deals available at more than tens of thousands of locations nationwide.

Need to fuel up before work? Check the app, see deals nearby via the in-app map, opt-in to a deal you want to take advantage of, use any Chime card at the pump, and get up to $0.22/gallon back on gas.¹ A little money back on gas helps you go farther – if you’re filling up a 10-gallon tank, that’s like $2 back in your pocket. Filling up once a week? That’s nearly $10 a month you could save on gas with Chime Deals.

As for your other regular stops, you could get up to 11% cash back on groceries and 24% cash back at restaurants¹. Call it a little pep in your step when it comes to paying those grocery bills and treating yourself to that new restaurant down the street.

Now, what happens when your Chime Deals get the plus treatment?

Unlock Chime+ benefits by receiving a qualifying direct deposit

When you set up direct deposit with Chime for free and then receive a qualifying direct deposit, you become a Chime+ member,^# gaining access to exclusive cashback deals at top retailers nationwide.

With Chime+, your cashback opportunities go even further, offering personalized deals based on where you shop the most. From major brands to local favorites, you can continue to earn cash back while spending at your favorite places.

But Chime+ is about more than just deals. It’s designed to maximize your savings, boost your financial flexibility, and make banking even easier through:

• Higher-yield savings with up to 3.75% APY² to grow your money faster
• Access to MyPay, letting you get up to $500 of your paycheck before payday when eligible³
• Fee-free overdraft coverage with Chime’s SpotMe, for up to $200, so you can cover unexpected expenses without worrying about extra fees⁴
• Priority support to speak to an agent quickly when you need help

Chime Deals is available in your app directly from the Home screen. Just scroll until you see the Chime Deals section. Here’s how you can easily find and activate Chime Deals in the app.

1. Open the Chime app

On the home screen, you’ll tap Deals on the bottom navigation to see deals nearby via the in-app map.

If you’re a Chime+ member, you’ll see even more exclusive, tailored offers based on where you’ve been shopping the most.

2. Choose and activate a deal

When you locate a deal near you, select the deal and then activate it within the same window.

Pro tip: activate your deal when you’re on your way or almost there to unlock the cash back offer before it expires! There is a specific time window for each deal.

3. Redeem the deal with any physical Chime card

Once you’ve activated the deal, redeem it within the specified window by tapping or swiping your physical Chime^® Visa^® Debit Card or secured Chime^® Credit Builder Visa^® Credit Card at the retailer location before the deal ends.

4. Get your cash back!

After using your Chime card, you’ll see cash back deposited directly in your checking account within 10 business days. That’s money back in your pocket! For full details, head to the Chime Deals terms and conditions.

With thousands of locations and offers available nationwide, you can easily find Chime Deals for retailers you visit on a regular basis. Whether you’re fueling up or dining out, here’s an idea of the kinds of deals you might find in the app:

• Get $0.10/gallon cash back at Speedway^®
• Receive 10% cash back at Burger King^®
• Earn 6% cash back at PrimoHoagies^®

As a Chime+ member, you’ll gain access to more personalized deals with top retailers.

Cash back refers to money you earn back on eligible purchases. It doesn’t refer to discounts or saving money; it’s another way to make your spending go further.

To get cash back, you make a purchase with an eligible card and earn a certain percentage back either as a statement credit or direct deposit into your account.

However, some cash back apps may have multiple steps to redeem. For some apps, you may have to upload a photo of a paper receipt or upload an eReceipt, then scan your items while in-store. And in some cases, you’ll redeem your cash back via gift cards, checks, or deposits into a peer-to-peer payment app. Ultimately, cash back apps vary when it comes to payout methods, frequency, and thresholds.

Luckily, with Chime Deals, it’s simple! You check the app for thousands of deals, choose one, activate the deal in the Chime app, swipe or tap any physical Chime card at the retailer (within the offer timeframe), and redeem your cash directly into your Chime checking account – cash that shows up within 10 days.

While you’re taking care of business day-to-day, get the cash back you deserve. Take advantage of deals – especially the Chime+ exclusive deals – at thousands of locations nationwide. You can do it all through the app, using any Chime card.

Money back on groceries, gas, and dining out is just a few taps away! Remember, if you receive a qualifying direct deposit and become a Chime+ member,^# you’ll see deals that go beyond your everyday spending.