How To Get Chime Metal Card?

In recent years, Chime has quickly become one of the most popular online banks, offering a wide range of financial services that cater to customers who want a more modern, digital-first banking experience. One of the standout features of Chime is its ability to offer cards that are sleek, convenient, and full of innovative features. Among these, the Chime Metal Card stands out as a premium offering, providing customers with a unique, eye-catching design and enhanced perks.

Learn everything you need to know about how to get a Chime Metal Card, including its features, benefits, eligibility requirements, and the steps you need to follow to apply for one. Let’s dive in!

1. What is the Chime Metal Card?

The Chime Metal Card is a premium, physical debit card offered to Chime account holders. It is designed to offer a more luxurious feel than the standard plastic debit cards issued by the bank. The card is made of durable metal and features an aesthetically pleasing design, which makes it stand out in your wallet.

While it offers a more premium look and feel, it also comes with additional benefits and perks not available with the regular Chime Visa Debit Card. These benefits include enhanced customer service, higher-quality materials, and exclusive rewards for those who are eligible.

2. Key Features of the Chime Metal Card

Before we dive into how to obtain a Chime Metal Card, let's take a closer look at some of its key features and benefits that make it a desirable product for many Chime account holders.

a. Premium Metal Construction

Unlike regular plastic debit cards, the Chime Metal Card is made of stainless steel, making it heavier and more durable. This gives the card a sleek, high-end feel that many users find appealing. The metal construction also adds to its durability, so you can expect it to last longer and withstand wear and tear.

b. No Monthly Fees

Chime has built its reputation on being an online bank that avoids charging unnecessary fees. The Chime Metal Card is no exception, and it comes with no monthly maintenance fees, no overdraft fees, no bounced check fees, and no foreign transaction fees. This is a significant advantage compared to traditional banks that often charge hefty fees for these services.

c. Cash Back Rewards

One of the standout perks of the Chime Metal Card is its cash-back rewards program. Cardholders can earn cashback on eligible purchases, which is an attractive feature for those who want to get more value out of their spending. For every dollar spent, users earn a percentage back as a cash reward that can be used for future purchases.

d. Enhanced Customer Support

Chime’s customer service is known for being quick and responsive, and the Chime Metal Card users may experience even better customer support. Those with the metal card are more likely to get priority assistance when contacting customer service through phone or chat.

e. Advanced Security Features

Chime takes security seriously, and this is reflected in the Chime Metal Card. It comes with EMV chip technology for secure transactions, as well as real-time alerts, so you can track any activity on your account. The card also offers the ability to lock or unlock your card with just a few taps on the Chime app, adding an extra layer of protection.

f. Mobile Payments

Like many modern debit cards, the Chime Metal Card can be linked to digital wallets such as Apple Pay, Google Pay, and Samsung Pay. This means you can make contactless payments using your phone or smartwatch, adding convenience to your transactions.

3. Eligibility Requirements for the Chime Metal Card

Not all Chime users are automatically eligible to receive a Chime Metal Card. If you’re interested in getting one, it’s important to understand the requirements and steps involved. Here are the eligibility criteria:

a. Existing Chime Account

To get a Chime Metal Card, you must first have a Chime account. Chime offers two types of accounts:

• Chime Spending Account: A basic checking account that allows for direct deposits, transfers, and bill payments.
• Chime Savings Account: An optional savings account that earns interest on the funds deposited.

You can open a Chime account online, which takes just a few minutes. Once you have an active account, you will be able to apply for the Metal Card.

b. Direct Deposit Requirement

To qualify for the Chime Metal Card, you must have a direct deposit set up with your Chime Spending Account. This is a requirement because the metal card is designed to be a premium product, and Chime wants to ensure that users who qualify for the card are active account holders with consistent income streams.

Chime offers an incentive to set up direct deposit by providing a free, early direct deposit feature. Direct deposits are available up to two days earlier than with traditional banks, which adds to the overall convenience.

c. Account Activity

Chime tends to offer the Metal Card to users who demonstrate regular account activity. This includes using the Chime Spending Account for regular purchases, bill payments, or deposits. While the exact threshold for account activity may vary, being an active user will improve your chances of receiving the Chime Metal Card.

d. Invitation-Only Access

In some cases, the Chime Metal Card may be available on an invitation-only basis. While the card is open to most eligible users, Chime has been known to send out invitations to certain customers who meet specific criteria, such as high account activity or a certain account balance.

4. How to Apply for the Chime Metal Card

If you meet the eligibility requirements, here’s a step-by-step guide on how to apply for the Chime Metal Card:

Step 1: Open a Chime Account

To start the process, you first need to create a Chime account if you haven’t already done so. You can do this by visiting the Chime website or downloading the Chime app from the Apple App Store or Google Play Store. Once the app is installed, you’ll need to provide some basic personal information, such as your name, address, date of birth, and Social Security number, to verify your identity.

Step 2: Set Up Direct Deposit

After opening your Chime account, it’s essential to set up direct deposit to meet the requirement for the Chime Metal Card. You can easily set up direct deposit by providing your employer or other depositors with your Chime account and routing numbers. Once the direct deposit is active, you’ll start receiving your income directly into your Chime account, which makes you eligible for the Metal Card.

Step 3: Maintain Account Activity

As mentioned, Chime favors active users when selecting who qualifies for the Chime Metal Card. Be sure to use your Chime account regularly to carry out transactions. This can include purchasing items, paying bills, or transferring money.

Step 4: Wait for an Invitation or Request the Card

In some cases, Chime may invite eligible users to apply for the Metal Card via email or through the Chime app. If you’ve met the eligibility requirements, you may be prompted to apply. However, if you don’t receive an invitation, you can still apply by going into the Chime app and requesting the Metal Card.

Step 5: Approval and Delivery

Once your application is approved, the Chime Metal Card will be mailed to your address. This usually takes a few business days. Once you receive the card, you’ll need to activate it through the Chime app or website before you can start using it.

5. How Much Does the Chime Metal Card Cost?

One of the main advantages of the Chime Metal Card is that it comes with no annual fee. While some premium debit or credit cards charge hefty annual fees, the Chime Metal Card does not require you to pay for its upkeep. This makes it an appealing option for people who want a premium debit card without the cost that typically comes with one.

6. How to Cancel Your Chime Metal Card

If you decide the Chime Metal Card is not for you, you can cancel it at any time. To do so, simply contact Chime’s customer support through the app or website. Alternatively, you can lock your card in the app if you misplace it, and if needed, you can also request a replacement card.

7. Conclusion

The Chime Metal Card offers a sleek, premium experience with a range of valuable features, including cash back rewards, no fees, and enhanced customer support. While it is not automatically available to all Chime users, it is a great option for active account holders who meet the eligibility criteria, including setting up direct deposit and maintaining regular account activity.

By following the steps outlined in this guide, you can increase your chances of qualifying for the Chime Metal Card and enjoy the unique benefits it offers. If you're looking for a modern, no-fee, and stylish debit card, the Chime Metal Card could be the perfect choice for you.