Home Credit Credit Cards

What Are The Best Credit Cards for a 500 Credit Score?

Finding a credit card with a 500 credit score may be challenging but it’s not impossible.

cards for low credit scores
Updated February 15, 2024
Written by Rachel Alulis
Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • The best credit cards for 500 credit score are specifically designed to aid in rebuilding credit. They welcome low credit scores, offer score monitoring, and report payment history.
  • To choose the best card it’s imperative to know your score. Then find a card that has low fees and focuses on building credit.
  • Use your card responsibly to boost your score. Pay your bills on time, don’t max out your card, and limit your applications for the best results.

Credit cards for a 500 credit score are not impossible to find but it is more challenging. You’ll discover that you have limited options but you’re not excluded from credit entirely. There are plenty of credit cards for a 500 credit score designed with rebuilding scores in mind.

Let’s go over the best cards that give you a chance at credit all while offering a pathway to improve your financial health.

Jump to:

Unsecured credit card options for a 500 credit score

If you have a low score, you might be curious about what credit card options are available to you with a 500 credit score. Your options are of course limited, especially if you don’t want to put down a security deposit, but there are quite a few choices.

Here are the best credit cards for a 500 credit score.

Find more credit cards!

Is a 500 credit score good or bad?

A 500 score is in the bad range. As of April 2023, 3% of Americans have a score of 500 or lower according to FICO. This can make it hard to qualify for cards or loans, especially ones with favorable terms.

Your score indicates how much of a risk you pose to lenders. The lower your score, the higher the risk. With a 500 score you’re considered a big risk. You’ll find that it’s harder to be approved for loans or cards, and if you are, you’ll end up paying higher interest rates and possibly extra fees.

This doesn’t mean that all doors are closed. There are cards designed for people with lower scores. These cards give you access to credit but often come with higher costs. With responsible use, you can use them to move your score into the good category.

Avoid financial pitfalls!

Learn how to manage debt and boost your credit score.

How to choose a credit card for bad credit

You can get a credit card with a 500 credit score but you need to carefully assess your options. Let’s go over in detail how to approach this decision.

Know your score

Before applying, know where you stand. Not all subprime cards accept applicants with a score of 500. Some prefer consumers who have reached a 580 rating. Find out your rating and only apply to cards within your range to reduce the likelihood of rejections.

Familiarize yourself with fees

When exploring options scrutinize the fees. The majority of subprime cards have annual fees, setup fees, and monthly maintenance fees. Read the fine print, beware of hidden fees, and compare offers.

The best cards will have reasonable annual fees and a lower APR.

Almost all cards have late payments, rejected payments, and foreign transaction fees (except for travel cards). These fees are entirely avoidable. It’s a good idea to be aware of them and how to circumvent them so that you will not be surprised if they pop up.

Focus on building credit

Look for cards that report payments and usage to all three major credit bureaus – Experian, TransUnion, and Equifax. Reporting your activity is the only way your score will go up.

Many issuers provide free access to your score each month. You may also find cards that offer incentives like limit increases or a chance to graduate to a card with better rewards after a period of on time payments.

Choosing the right credit card for a under 500 credit score involves knowing what to watch out for. Make sure you can afford the fees, try to prequalify, and double check the issuer reports payments to all three bureaus.

Need assistance with your score?

Click here to learn about credit repair companies!

How to improve bad credit score?

Poor score? Know that you’re not alone. It might seem counterintuitive, but everyone starts off with a low score. The good news is it’s not permanent. You can easily improve it by following these tips.

Don’t max out your card

credit score increase

A large balance signals to lenders that you’re at a higher risk of default. Aim to keep your utilization ratio — the percentage of your limit you’re using — below 30%. This signals that you can afford to repay what you owe.

Always pay on time

Payment history is the most influential scoring factor. Even one late payment can have a detrimental effect. Make payments well before they’re due. Set up autopay or reminders so you’ll never miss a due date.

Pay in full

Don’t fall for the minimum payment trap. You’ll only accrue interest. It’s much better to pay your balances in full. This will save you money, keep your balances low, and help your score.

Avoid new inquiries

Each time you apply for a card or loan, a hard inquiry is made, which causes a dip in your score. Only apply when necessary and wait at least six months between applications.

Keep your starter card

The length of time you’ve had credit counts. The older your accounts, the better. Keep your first card open and active – unless it has high annual fees – to increase the average age of your accounts.

Diversify your accounts

Lenders want to see that you can handle different types of accounts, namely cards and loans, responsibly. This is a small factor, though. Only diversify if you need to and don’t take on excess debt.

Building your credit score won’t happen overnight. Adopt these policies, be consistent, and you’ll see improvements in a few months.

Will two credit cards build credit faster?

The short answer is yes. Having two cards will make it easier to keep your utilization low, ideally below 30%. Try for 10% and your score will rise faster.

The catch is you must manage both cards responsibly. Pay off your balances in full each month to avoid interest and make all payments on time. Mismanaging multiple cards can lead to high balances, missed payments, and ultimately do more harm than good.

Visit MoneyFor for more advice on cards, debt, and more.

What is the easiest card to get approved for with poor credit?

The easiest cards to get approved for are secured cards. Secured cards require a refundable security deposit, which sets your limit. The security deposit serves as collateral, minimizing the risk for the issuer.

Secured credit cards are an excellent starting point. Issuers typically report payments, offer lower interest rates, and fewer fees. If you can afford to have money tied up in a security deposit, a secured credit card is a good choice.

Unsure how to begin boosting your score?

You can build up credit with your credit card!

More tips to improve your 500 credit score

More and more companies offer products to help boost your rating go up faster. Take advantage of a few and watch your score climb over time.

Credit builder loan: You don’t get the money right away with this loan. Instead the lender holds onto the funds, you make small monthly payments, and they report your on time payments. Once the loan is paid off, you receive the money.

Becoming an authorized user: Ask someone with a good score to add you as an authorized user on their card. You benefit from their positive payment history.

Report monthly payments: Normally only card and loan payments are reported. Some companies will report all monthly payments including rent, utility bills, and subscription services.

Check your credit report: Regularly check your report for any errors or discrepancies. If you see anything wrong, dispute it since it could be dragging down your score. Everyone is entitled to one free copy of their credit report each year from annualcreditreport.com.

9.7
Moneyfor score

Get up to $500 before payday1

  • No Credit Checks
  • Build Secured Credit Card
  • Get Paid Faster with Direct Deposit

Get up to $500 before payday1

Apply now
Review 12,985

How to compare $500 credit cards for bad credit

When comparing cards for bad ratings with a $500 limit, it’s essential to consider the cost of the card and the benefits it gives you. By comparing several key factors you can select the best option for your financial situation.

Here’s a detailed breakdown of what to look for:

Fees

Start by examining the fee structure of each card. Subprime cards often come with various fees, including annual fees, monthly maintenance fees, and sometimes even application or processing fees. Some cards may advertise low or no annual fees, making them more affordable in the long run. Be vigilant about hidden charges that could increase the overall cost of the card. For example, some cards might have fees for balance transfers, foreign transactions, or late payments. Understanding the complete fee schedule can prevent unexpected costs and help you manage your finances better.

Security deposit

Secured cards are a common option for individuals with less-than-perfect scores. These cards require a security deposit, which typically equals your limit. For a $500 limit, you’ll need to deposit $500. Look for cards with reasonable deposit requirements and consider those that offer the possibility of upgrading to an unsecured card after a period of responsible use. Some issuers may allow partial refunds of the deposit as your score improves, providing more flexibility.

Interest rates

Interest rates, or Annual Percentage Rates (APRs), are an important factor to consider, especially if you plan to carry a balance from month to month. Cards for low ratings often come with higher APRs of 25% to 35%, which can quickly accumulate and become costly. Compare the APRs of different cards, and look for those offering lower introductory rates. Some cards may also have penalties for late payments, resulting in even higher interest rates. Paying your entire balance in full and on time will help you avoid these extra costs.

Credit reporting

For rebuilding your score, it’s crucial that the card issuer reports your activity to all three major credit bureaus: Equifax, Experian, and TransUnion. This reporting allows your responsible use to be reflected in your score. Confirm that the card you’re considering reports regularly and accurately. Timely payments and maintaining low balances can positively impact your score over time.

Rewards and benefits

While rewards are less common for cards aimed at those with poor scores, some do offer perks like cashback, rewards points, or benefits such as free monthly score monitoring. These rewards can add value and provide an incentive to use your card responsibly. However, don’t let rewards overshadow the importance of other factors like fees and interest rates. Sometimes, the benefits can justify slightly higher fees, but this depends on your spending habits and financial goals.

Customer service

Reliable customer service is vital, particularly if you’re working to improve your score. Research the card issuer’s reputation for customer service by reading reviews and ratings. Good customer service can help resolve issues quickly, provide guidance on credit management, and offer support if you encounter any problems with your account. Look for issuers with 24/7 customer support, user-friendly mobile apps, and accessible online account management tools.

By carefully evaluating these aspects, you can choose the best $500 limit card to help rebuild your score effectively. Balancing costs, benefits, and support will ensure that the card you select meets your needs and aids in your journey toward a better rating.

Would a little extra cash help?

500 credit score loans can give you the boost you need.

Frequently asked questions

1. Will I get approved with a 500 credit score?

Getting approved for a credit card with a 500 credit score can be challenging but not impossible. You may qualify for secured cards, which require a deposit, or specific cards designed for individuals with poor scores. These options can help rebuild your rating with responsible use and timely payments.

2. Can I get a credit card with a $500 credit limit?

Yes, you can get a card with a $500 limit, even with a low score. Secured cards are a common option, where your limit often matches your deposit. Some unsecured cards for bad ratings also offer modest limits, allowing you to improve your score with responsible use and consistent, on-time payments.

3. What credit card can I get approved for with a 500 credit score?

With a 500 score, you can get approved for secured cards or subprime unsecured cards. Look for cards specifically designed for consumers with low ratings. The cards we listed above cater to individuals with lower scores. They are designed to give almost anyone a second chance and help rebuild your rating.

Bottom line

A low credit score presents challenges, but it’s not the end of the road. If you prefer not to use a secured card or can’t afford a security deposit, there are unsecured credit cards for a 500 credit score. While these cards may not offer the best rewards or the lowest fees, they provide a pathway to improving your score through responsible financial habits.

When selecting an unsecured card, prioritize those that report your payment history to all three major credit bureaus—Equifax, Experian, and TransUnion. This reporting is crucial for improving your score. To maximize the benefits of these cards be sure to never miss a payment, keep your balances low, and be consistent.

By diligently following these practices, you can gradually improve your score, paving the way to qualify for better cards with more favorable terms and rewards in the future. Remember, rebuilding your rating takes time and patience, but with consistent effort, you can achieve your financial goals.

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
Read more

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.

Read more