Best Credit Cards of 2026
Find Your Perfect Prepaid or Credit Card to Help you Build or Rebuild Your Credit!Finding the perfect credit card is easy. Simply use our Card Ratings and Reviews for 2026 and we’ll kick-start the search!
Features:
Please note! This is NOT a prepaid card as it’s linked to an an actual checking account. It’s a Visa debit card that amazingly has no fees (unless you use get cash out of an ATM outside their network), so is much cheaper than most prepaid cards as there aren’t any no fee prepaid cards that you can apply for.
- No credit check. A new type of mobile bank that offers all the benefits of a traditional bank account without the hassles and without all the fees of a prepaid card.
- No overdraft fees.
- No minimum balance.
- No monthly service fees.
- No transfer fees. Over 50,000+ fee-free ATMs, plus 30,000+ cash-back locations. For a limited time, you can earn a cash referral bonus of $50 when you tell your friends about Chime and they sign up (and they’ll get paid $50 bucks too)
- No minimum balance or monthly fees.
- Increase your credit scores an average of 30 pts with on-time payments with optional Credit Builder product. Based on a representative study conducted by Experian® in January 2024,
🙂This is the lowest fee alternative to prepaid cards we have seen since we started reviewing prepaid cards 10+ years ago .Download Chime’s app to deposit checks on-the-go, manage your money, easily pay bills and more .
Consumer Reviews and Ratings of Chime Visa Debit Card:
Charmaine Martin
2024/02/01 at 12:03 pm
Refer a friend bonus is false some of it is. It’s a scam they lie to their customers. They tell you you can refer a friend as long as they set up direct deposit and you can set it up using your SSI and SSD government checks. But the direct deposit must go through within 45 days when they damn well know when you’re dealing with a government issued check it takes 60 days for direct deposit to happen so you don’t get the referral bonus money and neither does your friend. It is a scam and they lie to their customers it also says they protect the customers that have disabilities. How do they protect us? If they’re lying about that what else are they lying about? Are they really fixing our credit? Or their prices really lower for auto insurance and life insurance? Are they really saving our money are they really doing what they say they can do for us because if they’re lying about one thing they can’t be trusted.
And it says that we the customers can trust them? It makes you think doesn’t it? If you ask me they like to scan their customers into getting their friends referral for direct deposits and not give you or your friend their referral bonus money. Bad business. And they won’t do anything to change it they don’t want to take their lies off of their website
Davida
In reply to Davida Terrell.
Quick update- I was supposed to get my covid check Deposited automatically on my Chime visa but I left a digit or two off the IRS form and so my stimulus funds have been delayed and week and I have to get my check now by snail mail! 🙁
Folks – be careful when filing out the forms
Also my fiend at work applied but forgot to use my referral link so I didn’t get paid rebate bonus! Be careful
Best Credit Cards of 2026
Find Your Perfect Prepaid or Credit Card to Help you Build or Rebuild Your Credit!Finding the perfect credit card is easy. Simply use our Card Ratings and Reviews for 2026 and we’ll kick-start the search!
2020/05/03 at 6:37 pm
Select comment Amber Gant
Has anyone else had a problem applying for chime visa ? My application got denied but not sure why.
I just got a job but didn’t have one when I applied recently- also I don’t have bad credit but I have not established credit.
I applied through my friends referral link.
2020/04/30 at 6:48 pm
Select comment Curtis Arnold
This is interesting- haven’t heard of any other bank doing this (Chime is now the largest digital bank according to this article
Chime did a $200 type of cash advance to limited customers that are expecting a stimulus check deposit (on to their time account of course). This government advance was prior to the customers actually getting their check. But no fees that I noticed. More info here:
forbes.com/sites/jeffkauflin/2020/04/09/digital-bank-chime-now-offering-stimulus-check-advance-to-100000-users
2020/04/28 at 5:45 pm
Select comment Amber Freeli
I got the Chime card (it’s not a prepaid visa) about 6 months ago – I applied online (don’t think it’s available in any store) and I love it.
I work at TGIF restaurant and have been unemployed due to Cornona virus, but normally get my payroll direct deposited on my account.
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Have had no issues with the card or the account and would give it a 5 star rating…
2020/04/27 at 10:03 pm
Select comment Dylan
I had my government stimulus check for 1200 put on my Chime Visa card and haven’t had any problems. I got my card online a year or so ago and love it- no complaints or problems.
The feature or benefit I like the most is that I get my paycheck from Pizza Hut a few days early, which is a nice perk. I use my card like a bank account- with less fees.
I didn’t know about cash rebate referral program- so good to know. My girlfriend has one, so which I’d known!
I give my Chime prepaid Visa a rating of 5 out of 5 stars. 🙂
2020/04/24 at 4:32 pm
Select comment Davida Terrell
Unlike Ryan, I have had the chime card for a year or so and love it.
I’ve had no problem with Depositing cash at Walgreens and cvs with no fees- in fact the only fees I’ve paid were for ATM cash withdrawals and chime didn’t charge this fee (the bank that owns the atm did).
I have my paycheck of $1000 direct deposited and I use it like a bank account (minus all the fees).
Also on the refer a friend benefit, I can verify that you get $50 for Each friend your refer and the person you refer also gets 50 cash after they sign up for direct deposit.
I am waiting now for my government stimulus Check to arrive. Anyone having delays like me?
Hope this helps .
2020/04/19 at 7:10 pm
Select comment Ryan Freedman
I got my Chime debit card and set up my account a couple of months back after hearing a tv ad. I hate I didn’t get the $50 cash rebate, but have enjoyed using the account. I still have a traditional bank account with Arvest, but Chime is much faster when I need to transfer money to a friend.
I have even now having my paycheck direct deposited to Chime and I think their app is better than my banks app. Its also super easy to set up everything.
The only problem is that I can not deposit a personal check to me for any amount over $500 (I use their mobile deposit feature) and its challenging to deposit cash- have to use Green Dot and go to some place like WalMart to do so.
Also, just got a cool email saying Chime just paid for one of my out of network ATM fees- was only 2 dollars, but these kind of junk fees add up quick! 🙂
I did get info. on the friend referral program and it looks good. They give you a link to track friends you refer, but your friend does have to do a direct deposit of $200 in order for your to get your $50 cash bonus.
Overall, would give it 3.5 out of 5 stars. Hope this rating is helpful.
2020/04/18 at 6:29 pm
Select comment Quy juines
It is true as I was able to successfully open a Chime debit card / banking account and get the $50 referral bonus. 😍
I did try to transfer money from my personal Citibank bank… and it did not work.😥
Please note that ACH Transfers, friends transfers, verification or small trial deposits from other financial institutions, Transfers from Paypal, Venmo, or check deposits from your phone (mobile deposits), and cash loads are not QUALIFYING DEPOSITS (won’t get you the 50 referral fee).
You and your refered friend or family memember MUST HAVE your current employer, payroll provider or benifits payer deposit 200$ or more to qualify for the cash bonus offer.
Just wanted to make sure everyone is aware of this so you can get your payment as fast as possible.
The best Part is that my bonus posted right after my direct deposit! Share your referral link with your friends and family and start Earning today. 😉
2019/08/17 at 7:42 am
Select comment K-Man
It was easy and quick to sign up for a Chime debit card account and I Highly recommend it.
I can confirm that you Get $50.00 when you open a Chime bank account and set up direct deposit (and your friend does too).
2019/08/15 at 1:55 pm
Select comment Curt
I got the Chime Visa debit card a month or so back and everything has worked well so far – it is not a scam. Even downloaded the app. The card has a modern look to it and everything seems to be geared toward digital marketing. I get helpful emails on a regular basis.
I have yet to actually activate my card but am excited about the referral program where I can invite friends to join. They are offering 50 dollars in incentive money and I got the link where friends and family can sign up after I downloaded the app. So, looking forward to seeing how that works.
Got approved really quick too (my credit is good but they did not pull my credit), though it took a while for the card to show up in the mail.
2019/07/26 at 9:38 pm
Select comment Rick
we have an adult family member who is disabled. we give him money for his day-to-day needs through the chime card. but, now our attorney says the chime card may jeopardize his social security disability coverage because of the cash advance feature. he recommended switching to a different card as truelink. do you know of any similar prepaid card programs especially designed for persons receiving social security disability benefits besides truelink?
2019/07/25 at 5:17 pm
Select comment Curtis Arnold
In reply to Tabitha.
Tabitha-
Thanks for your post about getting approved by Chime and sorry that happened. Ive read about one other person getting declined (and I’m sure there are more), but I do think it’s pretty rare as they don’t look at your credit report or, as you say, use Chex Systems.
I do know they are considered as a second chance banking account for folks with poor or bad credit and that other similar banks that offer checking accounts to folks with poor credit can charge up to 14 bucks or so a month (Chime has no fees like this).
2019/07/23 at 8:46 pm
Select comment Tabitha
I applied for the Chime Bank Visa card last night and was not approved. So not sure what happened as I know they promote second chance banking for people who poor credit and dont check Chex Systems.
Anyone else had any problems getting approved for Chime? I was hoping to dump my Netspend card that charges 5 bucks a month for free Chime card. 🙁
