Double Your Credit Limit to $2,000 - Surge Platinum Mastercard

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 Surge Platinum Mastercard offers the opportunity to double your credit limit from $1,000 to $2,000 after just six months of on-time payments.
This card helps build or rebuild credit by reporting to all three major credit bureaus.
You get your VantageScore 3.0 for free every month so you can track your credit building progress.

If you’re on the hunt for a credit card that doesn’t require a perfect credit score, the Surge Platinum Mastercard may be the one for you. Not only can you easily qualify for the card regardless of your credit rating, but it can also help you build or rebuild your score.

Unlike most cards designed for people with poor or limited credit, the Surge Platinum Mastercard is unsecured, meaning you don’t have to put down a security deposit to obtain it. Instead, you receive a high credit limit of up to $1,000, which can double within just six months. The card also offers monthly reporting to all three major credit bureaus, and you get the buying power of Mastercard. Intrigued?

Let’s delve further into what the Surge Platinum Mastercard has to offer and determine if it is the right card for you.

What we like about Surge Platinum Mastercard

Discover the credit card that welcomes all

The Surge Platinum Mastercard is designed to be inclusive. It welcomes applicants from all credit backgrounds, including those with limited or poor credit histories. Unlike many other credit cards that have stringent approval criteria, the Surge Platinum Mastercard considers applicants who have been previously denied due to their poor credit scores. This card provides a valuable opportunity for individuals to access credit and work towards improving their financial standing.

Moreover, the Surge Platinum Mastercard does not require a security deposit, making it an excellent choice for those who may not have the funds to secure a traditional secured credit card. With a credit limit of up to $1,000, which can potentially double after just six months of responsible usage, cardholders have a significant opportunity to demonstrate their creditworthiness.

Surge Platinum Mastercard provides a supportive and inclusive option to help you achieve your financial goals.

Get an initial credit limit of up to $1,000!

The Surge Platinum Mastercard offers an initial credit limit ranging from $300 to $1,000, subject to your available credit. This is an impressively high initial credit limit for a card specifically designed for individuals with bad credit or limited credit histories. Having access to a high limit is a significant advantage, especially for those looking to rebuild or establish their credit profile.

A higher credit limit can positively impact your credit score by helping you maintain a low credit utilization ratio. Your credit utilization ratio is how much of your available credit you use. Experts recommend keeping it below 30% in order to get a high credit score. When you have a limit of $1,000 this is much easier to do. You get the flexibility to make necessary purchases without maxing out your card, which helps keep your credit utilization in check.

A higher credit limit can also aid in managing your finances more effectively. It allows you to handle unexpected expenses or make essential purchases without resorting to high-interest loans or other costly financial products.

Credit limit may double after six months

One of the standout features of the Surge Platinum Mastercard is its potential for a credit limit increase after just six months. Your credit limit can double from the initial amount, reaching up to $2,000! This increase is contingent on making your first six monthly payments on time. By demonstrating responsible credit behavior, you unlock this valuable perk.

A higher credit limit offers multiple advantages. Firstly, it grants you greater purchasing power, enabling you to make larger or more frequent purchases without worrying about exceeding your limit. This can be particularly beneficial for managing unexpected expenses or making important, high-cost purchases.

Secondly, a higher credit limit helps maintain a low credit utilization ratio. By increasing your credit limit to $2,000, you have more available credit, which can help you keep your utilization ratio low even if your spending increases slightly. A lower credit utilization ratio generally leads to a higher credit score, as it indicates to creditors that you are managing your credit responsibly.

Moreover, an increase in your credit limit reflects positively on your credit report, showcasing your ability to handle higher credit lines responsibly. This can make you more attractive to lenders for future credit applications, such as loans or mortgages.

Reports to all three major bureaus

When you’re building or rebuilding credit, it is crucial that your responsible card usage is recognized by the credit reporting agencies. The Surge Platinum Mastercard reports your credit activity to all three major credit bureaus: TransUnion, Equifax, and Experian. This comprehensive reporting ensures that your positive credit behaviors are reflected in your credit reports and, therefore, your scores.

Improved my Credit

“This is probably the best choice to boost your score after a bankruptcy over a steady period of time. It starts you off with a small manageable amount of credit. After a year they can increase it up to 2300 depending of your credit maintenance and if you make your payment on time. It does have a yearly fee of 75$ which is more than manageable. I recommend you get into a routine with it and don’t overspend. I used it for gas and then paid it off in full every month. Score went from 430 to 710 in 2 years of steady use and on time payments. If I ever am in need again of helping my credit score rise you bet Continental Finance and Surge Master card will be my first choice to help me achieve my goal.” Alma Tejeda, Trustpilot Review

Regularly reporting to these bureaus means that every on-time payment you make and every effort to keep your credit utilization low are documented and contribute to a better credit profile. As you consistently use your card responsibly, paying off balances on time and keeping your credit utilization below 30%, you should begin to see a gradual improvement in your credit score.

Prequalify for instant credit

You can easily prequalify for the Surge Platinum Mastercard. Prequalification is a valuable step as it gives you an idea of your likelihood of approval before you formally apply. This process involves a soft credit check, which does not affect your credit score, allowing you to explore your options without any risk to your credit.

Prequalifying for the Surge Platinum Mastercard is straightforward and quick. By filling out a simple online form, you can receive an instant decision about your eligibility. This helps you make an informed decision about whether to proceed with the full application. Knowing you have a good chance of approval can save you from the potential disappointment and negative impact of a hard inquiry that typically comes with traditional credit card applications.

When you’re ready to apply, the process is efficient and user-friendly. The online application is designed to be fast, allowing you to complete it in minutes. Once submitted, you will receive an approval decision within seconds, providing you with immediate clarity about your credit status.

Accepted around the world

The Surge Platinum Mastercard is backed by the globally recognized Mastercard network. This extensive network ensures that your card is accepted at millions of locations worldwide, from local shops to international retailers, online marketplaces, restaurants, hotels, and more. Whether you are making everyday purchases, traveling domestically, or venturing abroad, the Surge Platinum Mastercard provides the flexibility and reliability you need.

Moreover, the card’s affiliation with Mastercard means you benefit from Mastercard’s robust security features and customer service support, which adds an extra layer of protection and peace of mind when using your card internationally. In the event of lost or stolen cards, or fraudulent transactions, Mastercard’s assistance services can provide prompt and effective support, ensuring your finances remain secure.

Get your credit score for free

As a Surge Platinum Mastercard cardholder, you’ll enjoy the valuable benefit of free monthly access to your Vantage 3.0 score from Experian. This feature is particularly advantageous for those who are building or rebuilding their credit, as it allows you to regularly monitor your score without any additional cost. By having monthly access to your credit score, you can track your progress over time, observe how your financial behaviors impact your credit, and make informed decisions to improve your credit health.

Monitoring your credit score is an essential part of managing your financial well-being. With the Vantage 3.0 score, you get a comprehensive view of your credit status, which is updated monthly. This consistent access provides you with timely insights into changes in your credit profile, helping you identify any discrepancies or areas that need improvement.

Mastercard’s Zero Fraud Liability promise

With the Surge Platinum Mastercard, you benefit from Mastercard’s Zero Fraud Liability Protection, a vital security feature that provides peace of mind in your daily financial transactions. This protection ensures that you are not held responsible for unauthorized transactions made on your card. In the unfortunate event that your card is lost, stolen, or used fraudulently, you can report the suspicious activity promptly and rest assured that you won’t have to pay for those unauthorized charges.

Whether you are making purchases online, at a store, or while traveling, you can trust that any fraudulent transactions will be addressed without placing a financial burden on you. This protection not only secures your money but also helps maintain your credit integrity by preventing fraudulent charges from affecting your credit utilization ratio and payment history.

Reporting fraudulent activity is straightforward and efficient. As soon as you notice any unauthorized transactions, you can contact Mastercard’s customer service for immediate assistance. They will guide you through the process of securing your account, investigating the fraud, and issuing a replacement card if necessary. This quick response minimizes the impact of fraud on your financial life and ensures that you can continue using your card without undue stress.

What to watch out for with Surge Platinum Mastercard

Surge Platinum Mastercard’s high APR

The Surge Platinum Mastercard has a high APR of 29.99%, which varies depending on the market. This higher-than-average APR is typical for credit cards aimed at consumers with bad to limited credit, as these cards carry more risk for the issuer. While the APR is high, you can avoid it by paying your balances in full each month.

When you pay your full balance by the due date, you won’t incur any interest, allowing you to benefit from the card’s features without the added cost of high interest. This practice not only helps you avoid unnecessary fees but also fosters good credit habits that can improve your credit score over time.

Use the card primarily for necessary purchases, keep your credit utilization low, and ensure timely payments to help you mitigate the impact of a high APR. Over time, as you demonstrate responsible credit usage, you may become eligible for cards with lower interest rates and better terms.

Monthly and annual fees

The Surge Platinum Mastercard comes with an annual fee ranging from $75 to $125 and a monthly maintenance fee of up to $10, which is waived for the first year. These fees are quite common among credit-builder cards, reflecting the cost of providing credit services to individuals with poor or limited credit histories. While these fees might seem burdensome, they are often seen as an investment in rebuilding or establishing your credit profile.

Understanding these fees is essential when choosing a credit-builder card. The annual fee ensures that you have access to the card’s benefits, such as reporting to all three major credit bureaus, a potential credit limit increase, and Mastercard’s Zero Fraud Liability Protection. These features can significantly aid in improving your credit score over time, making the annual fee a worthwhile expense for many users.

The monthly maintenance fee, which starts after the first year, covers the ongoing costs of managing your account. Although it might feel like an additional burden, it’s important to consider it as part of the overall strategy to rebuild your credit. By using the card responsibly and maintaining on-time payments, the investment in these fees can lead to better credit offers in the future with lower or no fees and better terms.

No rewards or bonuses

The Surge Platinum Mastercard does not offer a rewards program or a sign-up bonus, which is typical for credit cards designed for individuals with poor to limited credit. While some might view this as a disadvantage, it’s essential to understand the primary purpose of credit-builder cards: to help users establish or rebuild their credit history.

Rewards programs and sign-up bonuses are generally reserved for credit cards aimed at consumers with good to excellent credit. These users pose less risk to lenders and are more likely to benefit from such incentives. For those with limited or damaged credit, the focus should be on responsible credit use and improving their credit score rather than earning rewards.

Bottom line

If you have limited to poor credit and are seeking an unsecured credit card, the Surge Platinum Mastercard may be an excellent choice for you. This card is specifically designed to help individuals build or rebuild their credit with responsible usage. One of its significant advantages is the high initial credit limit, which can range from $300 to $1,000 and has the potential to double after just six months of on-time payments. This feature provides you with greater purchasing power and helps maintain a low credit utilization ratio, both of which are beneficial for your credit score.

Additionally, the Surge Platinum Mastercard reports all your payments to the three major credit bureaus—TransUnion, Equifax, and Experian. This consistent reporting is crucial for building a positive credit history, as it ensures that your responsible financial behaviors are recognized and reflected in your credit score over time.

Before applying for the card, it’s important to consider fees, including the high APR of 29.99%, annual fee, and monthly maintenance fee (waived for the first year). These costs can add up, so it’s essential to ensure that you can manage them.

Despite these drawbacks, the Surge Platinum Mastercard offers a valuable opportunity for consumers to build their credit. By using the card responsibly, paying off balances in full each month, and taking advantage of its credit-building features, you can improve your credit profile and work towards achieving better financial health. Overall, the Surge Platinum Mastercard is a practical option for those in need of a supportive tool to establish or enhance their credit standing.

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

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.

Double Your Credit Limit to $2,000 – Surge Platinum Mastercard

Key takeaways

What we like about Surge Platinum Mastercard

Discover the credit card that welcomes all