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570 Credit Score: Is It Good or Bad?

570 Poor
Updated June 18, 2024
Written by Rachel Alulis

A 570 credit score sits on the cusp between poor and fair credit. It reflects past financial mistakes or a limited credit history. While almost in the fair realm, it will still be difficult to be approved for a loan or credit card with such a poor credit score. Most lenders prefer borrowers with credit scores in the good to excellent range.

Don’t lose hope yet. You can find financial institutions that specialize in lending money to consumers whose credit scores fall in the poor range.

Let’s go over what you can get with a 570 credit score, what this score means, and the steps you can take to build credit.

The best credit cards for a 570 credit score

A 570 credit score credit card will either be a secured card, subprime unsecured card, or store card.

Secured credit card

Secured cards require a security deposit that serves as your limit. The deposit minimizes the risk for the credit card issuer, making them more accessible to applicants with low credit scores. If you opt for a secured card, make sure the issuer reports your payments to all three credit bureaus, as not all do.

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Unsecured credit card

Some companies offer unsecured credit cards for 570 credit score. These cards will come with a higher interest rate, an annual fee, and a lower credit limit. Before you go this route, it’s important to read the fine print and make sure you can afford the fees.

Store credit card

Store cards are often easier to qualify for and may offer discounts or rewards. Typically they come with higher interest charges, low limits, and can only be used at the issuing store.

Low score but want an unsecured card?

Check out credit cards for a 500 credit score – no deposits needed.

The best 570 credit score personal loan options

The best options for a 570 credit score loan are a secured loan, cash advance, or a personal loan from a credit union.

Secured loans require collateral such as a vehicle, property, or savings account. They have higher approval odds and tend to come with more favorable terms. The amount you’re offered may also be higher depending on the asset you put up as collateral. The catch is, that if you cannot repay as agreed, the lender can seize your asset.

Cash advance apps provide instant cash – usually up to $500 – with no credit check, no interest, and few fees. The amount usually depends on your direct deposit. You don’t have to worry about paying the advance back on time as most apps will debit the amount from your direct deposit. Many will also let you reschedule payments once or twice.

Credit unions should not be overlooked. They often have more flexible lending criteria compared to big banks. Many will approve members with low credit scores at competitive rates. Consumers are likely to find lower interest rates, fewer fees, and may be able to secure a larger amount.

570 credit score car loan

A car loan will be difficult to get but not impossible. Lenders view credit scores in this range as risky, making it essential to shop around for the best terms. Look for lenders who specialize in subprime loans, consider a larger down payment, and be prepared to pay higher interest rates.

570 credit score mortgage

To get a mortgage, you’ll want to look at FHA loans for first time home buyers. These loans have low credit requirements and offer competitive interest rates since they’re backed by the government. With a rating above 500 you’ll have to put down a 10% down payment. Bring it up to 580 and the downpayment drops to 3.5%.

What to consider when borrowing

Borrowing money is feasible, but comes with certain limitations. Generally speaking, you will receive offers with very high interest rates, additional fees, smaller amounts, and more stringent terms. The extra costs reflect the perceived risk in lending to consumers with lower credit scores.

Before you take out a personal loan, carefully consider the terms and the full cost of borrowing and make sure it fits within your monthly budget. Repaying as agreed can help boost your score and lead to better borrowing options in the future.

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Prequalify and compare offers

Online lending platforms let you receive multiple loan offers from various lenders in mere minutes, all without damaging your score with hard inquiries.

These platforms work by conducting a soft pull —which doesn’t affect your rating—to understand your financial standing. Based on this information, they match you with multiple lenders in their network who are willing to work with borrowers in your score range. This process allows you to compare interest rates, terms, and repayment options side by side, so you can make an informed decision.

Thinking about applying for credit?

Find out what score you need to get a credit card.

What factors do lenders consider?

When financial institutions evaluate a potential borrower, they look at more than their score – no matter their rating. Looking beyond the three-digit number lets them understand the borrower’s entire financial life. Other factors lenders consider are:

Income level: Lenders want to make sure that you can afford to borrow money.

Debt-to-income ratio (DTI): This metric helps lenders assess your ability to manage monthly payments and repay borrowed funds. A lower DTI can sometimes offset concerns raised by a low score.

Employment history and stability: Steady employment is viewed positively, as it suggests a reliable income stream and ability to make regular payments.

Type and amount of debt: The mix of your accounts (credit cards, personal loans, etc.) and how much you owe can influence a lender’s decision. High levels of unsecured debt are often seen as more concerning.

Lenders that do not prioritize your score – or conduct credit checks – may charge higher interest rates to protect themselves from potential defaults.

Read more about your credit score!

Is 570 a good credit score?

Is 570 a bad credit score? Yes, this score falls within the poor range. A bad score is anything below 670 on most credit scoring models. FICO scores from 300 to 579 are considered poor, while FICO scores from 580 to 669 are determined to be fair. VantageScore breaks bad credit scores down further. Scores from 300 to 499 are very poor, 500 to 600 are poor, and 601 to 660 are fair. On either model, a 570 credit score is bad. Many lenders choose not to do business with borrowers whose credit scores fall within this range.

A low score indicates a higher risk to lenders due to previous financial missteps – late or missed payments, high debt levels, accounts in collections, or bankruptcy – or a limited credit history. It can lead to potential roadblocks, including:

  • Being rejected for new credit
  • Trouble renting an apartment
  • Needing to put down a security deposit for service contracts
  • Difficulty getting a cell phone contract
  • Issues during an employment background check
  • Receiving higher insurance premiums in some states

Nevertheless, certain financial institutions will work with consumers who have a 570 FICO score.

Not sure where to start improving your score?

You can build credit with a credit card!

How to build credit

increase credit score

Credit scores aren’t static. They change when you change the data in your credit reports. While 570 is not good, it is not a permanent state.

Credit scores are calculated based on:

  • Payment history
  • Credit utilization rate
  • Length of credit history
  • Mix of credit account types
  • New inquiries

It takes time to get a higher credit score, but you’ll see bigger improvements faster than if you were in the good category.

Check your credit reports annually

Sometimes, your poor rating is not your fault. Check your credit report from each of the major credit bureaus – Experian, Equifax, and TransUnion – for any errors or outdated information. Disputing inaccurate negative marks can clean up your credit history and raise your rating. Get a free credit report once a year from annualcreditreport.com.

Make timely payments

Always pay on time. Timely payments account for 35% of your FICO score. Late payments more than 30 days past due cause a lot of damage.

Set up autopay for recurring bills so you never miss a due date. If you have too many due dates close together, you can ask your credit card issuers to move them to make it easier for you to pay on time.

Any time you’re in danger of missing a payment, it’s generally a good idea to reach out to your creditor beforehand. They may be able to work with you and set up an alternative payment plan or reduce your interest rate for a time before you end up with missed payments.

On-time payments by credit score range

Credit score rangeAverage percentage of on-time payments
750-85099.5%
700-74996.7%
640-69993.1%
300-63946%
Data from Credit Karma

Try a credit builder product

You don’t have to go it alone. Financial institutions have designed tools specifically for building credit. It may be worth looking into the following:

  • A secured card
  • A credit-builder loan
  • Becoming an authorized user
  • Reporting All your monthly payments to the credit bureaus

These financial products can help establish a positive payment history, of on-time payments and responsible credit habits.

Catch up on your bills

Make sure all your credit accounts are current and keep them that way moving forward. We know that’s easier said than done, but remember that payment history is the most significant factor in calculating your score.

If you have any overdue credit accounts – which is likely with a score of 570 – prioritize getting them current as soon as possible. Contact your creditors to discuss debt payment plans. You may want to consider debt consolidation or talk to a nonprofit credit counseling agency to implement a debt management plan.

Interested in simplifying your bills?

Find out if debt consolidation is for you.

Limit your credit applications

Every new application leads to a hard inquiry on your credit reports. Hard inquiries lower your score by five to ten points, and the effect lasts from a few months to a year. Applying for multiple credit accounts within a short period can compound this effect and be a red flag to lenders. Instead, space out your applications by at least six months and only apply when necessary.

How to keep your good score

It’s a good idea to maintain stable credit scores. So, what is a stable credit score, and why does it matter? A stable score does not fluctuate a lot from month to month. It indicates to lenders that you are reliable and not prone to surprises.

Keeping your score stable and in the good range will let you access the best interest rates, terms, and rewards. Diligently pay all your bills on time, maintain low balances on your cards, and only apply for new accounts when necessary are the most effective ways to maintain good credit.

Pay down balances

Continue paying your bills on time every month. High credit card balances can increase your credit utilization ratio and lower your rating. Creditors do not want you to be reliant on borrowing. Aim to use less than 30% of your available credit, 10% is even better.

No new credit

Every time you submit an application, a hard inquiry is performed lowering your score. Apply only when it’s absolutely necessary. It’s also a good idea to keep old accounts open and active. This will increase the length of your credit history helping your score.

Can your credit score still be repaired?

Get insights into what credit repair companies offer.

Frequently asked questions

1. How can I increase my 570 credit score?

First, review your credit report from each of the credit bureaus for errors and correct them promptly. Then, consistently make timely payments, only use a small amount of your total credit, and avoid new inquiries. Improving your credit score takes time.

2. How much can I borrow?

You can potentially borrow anything from a few thousand up to $100,000. The exact amount will depend on the lender and other factors like your income, debt level, employment status, and type of loan.

3. Can I get a 570 credit score auto loan?

Yes, but expect higher interest rates, stricter terms, and a larger downpayment. Improving your score before applying can help secure better conditions and lower costs.

4. Will I be able to rent an apartment with a 570 rating?

Yes, but you may face challenges. Landlords might require a higher security deposit, a co-signer, or proof of stable income to mitigate perceived risk.

5. Can I buy a house with a 570 credit score?

You can buy a house primarily through FHA loans, which have more lenient requirements. However, expect higher interest rates and stricter conditions.

6. What kind of loan can I get with a 570 credit score?

You can get car loans, FHA mortgages, secured loans, and personal loans with higher interest rates and stricter terms.

Bottom line

A 570 credit score means you’re almost in the fair range but you have a ways to go before it’s good. This score makes it hard to be approved for loans or get cards that don’t require security deposits. But don’t let a bad rating weigh you down. You can take concrete actions to improve your status. Get a secured card, report monthly payments, or work with a credit counselor. The more you build up your score, the more likely you are to qualify for better offers in the future.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.           Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC
6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.
8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.
9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.
11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.
12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
32. Tipping or not tipping has no impact on your eligibility for SpotMe®.
33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
* EarnIn is not available for Connecticut residents
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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