Chime Cash Rewards Visa® Credit Card – Rewards Program Addendum

The Chime Cash Rewards Visa® Credit Card (“Cash Rewards Card”) is offered by Stride Bank, N.A., Member FDIC (“Bank”), and is distributed and serviced by Chime Financial, Inc. (“Chime”). Your participation in this rewards program is subject to this Chime Cash Rewards Visa® Credit Card – Rewards Program Addendum (“Addendum”), which supplements your Chime Credit Card Agreement and the Application Disclosure and Secured Account Agreement.

This rewards program, including this Addendum, is subject to the Governing Law and Arbitration provisions of the Chime Credit Card Agreement.

When you become a Cash Rewards Card member, you will begin earning 1.5% cash back on all Eligible Purchases in rotating quarterly Spend Categories (each as defined below).

“Eligible Purchases” refers to the purchases of goods and services in designated Spend Categories that have settled, which may be after your purchase date, using your Cash Rewards Card everywhere Visa® credit cards are accepted, minus returns and other credits. Eligible Purchases do not include cash advances, gift cards, disputed transactions, unauthorized or fraudulent transactions, fees, or any other transactions that Chime may determine in its sole discretion are not eligible to earn cash back.

You are only eligible for this cash rewards program if you are a Cash Rewards Card holder in good standing. If you are a Cash Rewards Card holder and want to close your Cash Rewards Card, contact member services in your app by requesting to speak to an agent or call us at 844-244-6363.

You may earn cash back rewards as long as your Cash Rewards Card and Chime Checking Account are open and in good standing. You will not be able to earn cash back rewards if your Cash Rewards Card account is closed or suspended for any reason.

This offer is void where prohibited by federal, state, or local law.

Each calendar quarter, Chime will communicate the “Spend Categories” for which Eligible Purchases made that quarter will earn cash rewards. Spend Categories are based on a merchant’s MCC, as described further below. Chime will have the sole right to determine the quarterly Spend Categories, and all determinations are final. Spend Categories can include, but may not be limited to:

• Restaurant: Includes restaurants that sell prepared food and drinks for dine-in, takeout, drive-through, or delivery. Also includes places that sell alcohol—like wine, beer, mixed drinks, and other liquor or beverages—for consumption on the premises.
• Groceries: Includes grocery stores, supermarkets, bakeries, miscellaneous food stores, and meat provisioners, candy, nut, confectionery, and dairy product stores
• Gas: Any service station or automated fuel dispenser.
• Cable/internet: Includes internet, cable, and other paid television.
• Phone bills: Includes telecommunications (like mobile phones) services and equipment, and fax services. 

“MCC” means a merchant category code and is a four-digit classification code, as defined by Visa®, that is assigned to a merchant by Visa® or merchant processor based on the predominant business activity of the merchant. Chime has no responsibility for the assignment of MCCs and does not evaluate what MCCs should be assigned to a specific merchant. Chime reserves the right to determine from time to time the Spend Categories and which MCCs are included in each Spend Category. Chime is not responsible for awarding cash back rewards for Eligible Purchases in the Spend Categories at merchants who do not report an Eligible Purchase with an accurate MCC.

You will earn cash back rewards equal to 1.5% of the dollar amount of your Eligible Purchases in each quarterly Spend Category. From time to time, your cash back rewards may be delayed.

There is no minimum amount of Eligible Purchases required before earning cash back rewards, and there is no maximum cash back rewards amount that you may earn so long as your Cash Rewards Card and Chime Checking Account are open and remain in good standing.

Fractions of cash back rewards will be rounded up to the nearest whole cent if equal to or greater than $0.005 and rounded down if less than $0.005.

Any cash back rewards earned on Eligible Purchases minus returns, cancellations, chargebacks, or other credits to your Cash Rewards Card, transfer automatically to your Secured Account within nine (9) days after the Eligible Purchase transaction settles in your Cash Rewards Account. From time to time, transfer of your cash back rewards may be delayed.

If you close your Cash Rewards Card, any earned cash back rewards not yet transferred to your Secured Account will be forfeited. If your Cash Rewards Card account is suspended for any reason, your earned cash back rewards may not transfer to your Secured Account unless your Cash Rewards Card is reinstated within seven (7) days.

Earned cash back rewards do not expire. Any earned cash back rewards that have not transferred to your Secured Account will be forfeited if your Cash Rewards Card account is closed by Stride Bank, N.A. or Chime for any reason.

The cash back rewards you earn on Eligible Purchases will be shown in the Cash Rewards section within your Chime mobile app and on your billing statement. Any earned cash back rewards are calculated and transferred to your Secured Account within nine (9) days after the Eligible Purchase transaction settles in your Cash Rewards Account. From time to time, your cash back rewards may be delayed.

Once any earned cash back rewards are transferred to your Secured Account, they will be available for use by you for making payments to your Cash Rewards Card account, or transferring to your Chime Checking Account, subject to the terms and conditions of your Chime Checking Account and your Secured Account.

Chime, and/ or Stride Bank, reserves the right to take action if it sees evidence of fraud, abuse, misuse, or suspicious activity, as determined by Chime in its sole discretion. Such action may include but not be limited to:

• Disqualifying you from this cash rewards program
• Disqualifying earned cash back rewards that have not yet been transferred to your Secured Account
• Suspending or closing your Cash Rewards Card account

You acknowledge that cash back rewards have no cash value prior to such time as cash back rewards are transferred to your Secured Account. Unless and until the cash back rewards are transferred to your Secured Account, no tangible or intangible right, title, or interest in the cash back rewards has been created or earned. Nothing herein requires Chime to transfer any cash back rewards to your Secured Account if this cash rewards program has been canceled, terminated, or suspended.

Chime reserves the right to change this Addendum or the cash rewards program at any time in its sole discretion. Changes may include, among other things, adding a cap to the amount of cash back rewards you may earn, modifying Eligible Purchases or Spend Categories, excluding transactions, imposing additional restrictions, or terminating the cash rewards program.

Adjustments will be made to your cash back rewards as the result of canceled transactions, refunds or other credits from merchants, and other credits to your Cash Rewards Card (including those resulting from successful transaction disputes). Adjustments may cause a negative balance in your cash back rewards. If you have a negative cash back rewards balance at the end of a payout cycle in which at least one Eligible Purchase is posted to your Cash Rewards Card, the cash back reward for the Eligible Purchase will be used to offset your negative cash back reward balance, and will not be transferred to your Secured Account. Adjustments will appear in the Chime mobile app.