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New Cash Advance Apps in 2025

Cash advance apps provide quick access to cash before payday, but are best for one-time emergencies.

Updated June 5, 2025
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Edited by John Howard
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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

  • Cash advance apps offer instant access to cash without a credit check for people living paycheck to paycheck.
  • These apps have minimal fees and no interest charges. Costs can still add up.
  • Cash advance apps are convenient but should not replace long-term financial planning.

Cash advance apps can be a lifesaver if you’re living paycheck to paycheck. And the majority of Americans are. These apps send you a small amount of money almost instantly at little to no cost. You get the funds you need before payday. They can be an easy way to avoid overdrafts, cover rent, or pay for groceries. While great for little emergencies, the catch is that your next paycheck will be short.

What exactly are cash advance apps, and how do they work? Here’s what you need to know.

Jump to:

What are cash advance apps?

Cash advance apps provide quick and easy access to cash. You can borrow small amounts of money, $25-$750, though some go higher. Many apps will only send you money you’ve already earned but haven’t been paid yet.

These apps typically do not conduct a credit check – perfect if you have poor credit. Instead, they review your banking history and note how much you earn to determine how much to lend you. Funds are sent to your bank account via direct deposit or to connected debit cards within one to three business days. Most apps also offer fast funding for a fee, where you get the money instantly.

Cash advance apps are an alternative to online payday lenders and cost much less. They may charge a monthly subscription fee of $1-$15 or ask for an optional tip. No credit check loans, on the other hand, have high interest rates and excessive fees. The lower cost and more flexible repayment terms of apps can help you avoid the cycle of debt. Still, they are designed to provide short-term relief for unexpected expenses and prevent overdraft fees. They are not a long-term solution to financial problems.

Many apps offer additional features like budgeting tools and overdraft protection. Many apps that charge a monthly fee will also help you monitor and build your credit. Their goal is to promote financial health and stability

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How do money advance apps work?

Cash advance apps have become popular because they’re an easy way to quickly access funds before your next paycheck. So, how do they work? The apps actually grant you a small amount of money as an advance on your expected earnings. That’s why many go by the name paycheck advance app.

You connect the app to your primary checking account and allow it to monitor your income and expenditures. The app uses this information to assess your eligibility for an advance. Some apps require you to receive direct deposit, while others need access to your work time sheet. 

When you request an advance, the app will review your banking transaction history or electronic time sheet to determine how much to lend you. Borrowing limits are usually set low. Pay the money back on time consistently, and the maximum loan amount should go up.

Once approved, the app transfers funds instantly or within a few business days to a linked debit card or bank account via direct deposit.

You will then have to pay back the loan on your next payday. Most apps automatically withdraw the money from your linked bank account on your next payday. If you can’t pay back the advance when it’s due, or a withdrawal will lead to overdraft fees, don’t worry. You can often change the due date in advance at no cost. Other apps will refund overdraft fees or not withdraw the money if it will deplete your account.

With instant transfers, flexible repayment, and no hard inquiries, cash advance apps can match the appeal of 1 hour payday loans without a credit check.

Best cash advance apps in 2025

Current cash advance

Advance amount: $50 to $750

Costs: None

Repayment: Automatically deducted from your next payroll deposit

Funding time: 3 days for free, instant access for a fee

Fast funding fee: Starts at $4.99 for $50

Current6 is a banking app with a number of features, including Paycheck Advance.1 You can get an advance on your pay up to $750 and receive free overdraft coverage up to $200. Whether you qualify and for what amount depends on your payroll deposits, among other factors.

There is no interest, credit check, or hidden fees. If you want your money in minutes, you must pay an Instant Access Fee or wait a few days. Advances are automatically repaid when the next direct deposit hits your account. You don’t have to worry about being late, but you also cannot extend the date.

Besides advances, Current has other perks. It offers a Build Card6 that helps you repair your credit score.7 You can earn points back on purchases with participating merchants that can be redeemed for cash.11 Dive into our Current app review to learn more.

EarnIn cash advance

Advance amount: Up to $150 per day, a max of $750 per pay period

Costs: Optional tip up to $13 per advance

Repayment: Funds are repaid from your bank account with your next direct deposit

Funding time: 1 to 3 days for free, within minutes for a fee

Fast funding fee: $3.99 to $5.99

EarnIn lets you access up to $750 of your earned wages before payday, without interest, mandatory fees, or credit checks. The app links to your bank account and tracks work hours via GPS or through electronic timesheets. It lets you withdraw small amounts, up to $150 per day, based on your earnings. Advances are automatically repaid when your paycheck hits.

You can opt to “tip” the app instead of paying traditional fees, but tipping is entirely optional. If you need your money within minutes, you can pay a Lightning Speed fee of $3.99 to $5.99.

EarnIn also offers features like credit score monitoring and Balance Shield. Balance Shield alerts you when your account balance is low and can trigger automatic advances to help avoid overdraft fees. Read our EarnIn app review to see if it’s the right choice for you.

Empower cash advance

Advance amount: $10 to $300 for first-time users

Costs: Monthly subscription fee of $8 and an optional tip

Repayment: Advances are withdrawn from your account on your next payday

Funding time: 1-5 days for free; an hour with an express fee

Fast funding fee: $1 to $8 or 3% of the advance amount if $300 or over

Empower offers cash advances of $300 or more with no interest, no late fees, and no credit checks. To qualify, you must have a bank account with consistent income. Empower will evaluate your account history and spending behavior to determine if you meet their criteria. Funds are often available within minutes for a small instant delivery fee, or within one business day for free.

The advance is automatically repaid from your account on your next payday. You can reschedule the payment up to one business day before it’s due. If the payment causes an overdraft, Empower will reimburse the overdraft fee.

While there’s no interest charged, access to cash advances requires a $8 monthly subscription fee. Empower will also request a tip of up to 20% per advance.

Empower is one of the few apps that reimburse overdraft fees. They also provide budgeting help, credit-building features, automatic savings, and subscription tracking.

Chime cash advance

Advance amount: $20 to $500; $50 to $100 for first-time users

Costs: None

Repayment: Advances are automatically debited from your account with your next paycheck

Funding time: One day for free; Instantly with an express fee

Fast funding fee: $2

Chime’s MyPay42 sends you a portion of your paycheck, up to $500,  before payday. You can use MyPay daily. The amount you can access refreshes as you work. Chime does not conduct a credit check, charge interest, or ask for a tip. The only fee you’ll pay is $2 if you want the money in your account instantly. The low fast funding fee and no mandatory fees make Chime stand out from competitors.

To qualify, you must have an active Chime Checking Account with a qualifying direct deposit and live in a state where MyPay is offered.41 Funds arrive in your account for free within 24 hours. The advance is automatically repaid when your next paycheck is deposited. You cannot extend the due date.

The fintech app offers other features, including SpotMe, where you can overdraw accounts up to $200 without fees.33 Get Paid Early lets you access your paycheck up to two days earlier than your scheduled payday.32 And a high-yield savings account to make your money grow faster. Check out all it has to offer in our Chime app review.

Cleo cash advance

Advance amount: $20 to $250; $20-$100 for first-time users

Costs: None

Repayment: You select the repayment date

Funding time: 3-4 business days for free, instant with express fee

Fast funding fee: $3.99-$9.99

Cleo is a financial AI assistant that uses a chatbot interface to help you budget, save, build credit, and access cash advances. You can advance up to $250 of already earned income without interest, credit checks, or late fees.

To qualify, you must connect a checking account with sufficient income and demonstrate responsible financial behavior. Funds can be sent within minutes for an express fee, or wait 3 to 4 business days for free.

You select a repayment date that is right for you and authorize autopay. Cleo will automatically deduct the amount and express fee on that date. If there’s not enough funds in your account, the app will take a partial payment and make future attempts later. You can always extend the due date if needed. And Cleo will remind you that the payment date is coming up.

Cleo’s cash advance is part of its broader financial app. When you download Cleo, you’ll receive budgeting tools, savings suggestions, and even a cheeky AI chatbot that offers money tips with a sense of humor. While basic features are free, the easiest way to access cash advances is to subscribe to Cleo Plus or Cleo Builder, which starts at $5.99 per month.

Brigit cash advance

Advance amount: $25 to $250

Costs: Monthly subscription fee of $9.99 (Plus) or $14.99 (Premium)

Repayment: Funds are debited on the date Brigit determines to be your next payday

Funding time: 2 to 3 business days for free; 20 minutes with an express fee

Fast funding fee: $0.99 to $3.99; free for Brigit Premium members

Brigit offers instant cash advances up to $250 with no interest, late fees, or credit checks. To qualify, you must connect a checking account with regular income and a positive balance history. Brigit will automatically send funds to your account to help avoid overdrafts. There are no tips, but the app does charge an express delivery fee.

Repayment is scheduled for your next expected payday. Brigit will send you a reminder to help avoid overdrafts and let you reschedule the payment due date for free.

Besides cash advances, Brigit offers budgeting features, access to a job board, and account monitoring tools for free. While the free plan gives access to financial tracking, the cash advance feature requires a subscription. You can choose between Plus for $9.99/month or Premium for $14.99/month. With Premium, you get free instant advances and access to Brigit’s credit builder loan. Read our Brigit app review to learn more.

Albert App cash advance

Advance amount: $25 to $250

Costs: None

Repayment: Repaid 6 days from when you requested the advance

Funding time: 2 to 3 business days, instant with a fee

Fast funding fee: $5.99-$19.99 based on the advance amount

Albert offers Instant cash advances up to $250 to help users cover expenses before their next paycheck. Advances are only available at Albert’s discretion. There’s no credit check, interest, or late fees. To qualify, you must have a steady income and a linked bank account with a positive transaction history.

Funds are automatically debited from your account six days after you initiate the advance. You can request to extend your due date up to seven days. If you do not repay the advance on time, Albert may suspend you from accessing additional advances.

The cash advance feature is part of Albert’s broader financial app. With Albert, you get budgeting tools, automated savings, early direct deposits, and can invest in stocks. Interested in learning more? Check out our Albert app review.

Pros and cons of guaranteed cash advance apps

Pros:

  • Quick access to funds before payday

  • Minimal fees

  • No credit check

  • No interest

  • Some have budgeting and credit-building tools

  • May help to avoid overdraft fees

  • Can have flexible repayment terms

Cons:

  • Can lead to a cycle of borrowing

  • May encourage bad spending habits

  • Fees can add up

  • Terms, conditions, and potential fees can be confusing

  • Repayment may cause an overdraft

Other apps that let you borrow money until payday

There are plenty of small cash advance apps available if the ones listed above do not work for you. Some payday advance apps loan you money instantly without a job, while other apps give you an advance on your paycheck.

Varo

Varo offers cash advances up to $250 to eligible users through its Varo Advance feature. There’s no interest or credit check, and advances are repaid automatically with your next direct deposit. Eligibility depends on your account history and regular income. Fees range from $0 to $5, depending on the amount borrowed.

MoneyLion

MoneyLion offers Instacash advances up to $500 or $1,000 with RoarMoney. There’s no interest, credit checks, or mandatory fees. You must link a checking account with recurring income to qualify. Funds can be delivered instantly for a small fee or within a few days for free. Repayment is automatically scheduled with the next deposit.

Dave

Dave offers cash advances up to $500 with no interest, credit checks, or late fees through its ExtraCash™ feature. To qualify, you need a linked bank account with regular income and a positive balance history. Advances are repaid automatically on the next payday. Funds can be delivered instantly for a small express fee or within a few days for free. Dave also includes budgeting tools and alerts to help users avoid overdrafts and better manage their money.

DailyPay

DailyPay is an earned wage access app like EarnIn. You can transfer earnings from hours worked daily, but to use DailyPay, your employer must be enrolled. The service does not involve credit checks or interest, but there are small fees to transfer the money instantly. If you can wait a day or three, you’ll receive your pay for free. DailyPay aims to reduce reliance on payday loans by giving you greater control over your cash flow between paychecks.

Payactive

Payactiv also gives you early access to up to 50% of your earned wages. You can receive a portion of your pay before payday without credit checks or high fees. The service is employer-sponsored and typically free or low-cost. Funds can be transferred instantly or to a Payactiv card, and are automatically deducted from the next paycheck. In addition to cash advances, Payactiv provides budgeting tools, bill payment options, and savings features, making it a comprehensive financial wellness app like Brigit.

How to choose the right cash advance app

There are tons of cash advance apps available. Choosing the right one for you depends on your financial situation and what you want.

  1. Think about how much you need to borrow. Different apps advance different amounts. Make sure the app you choose can cover your needs. If you need $1,000 dollars now, your choices may be limited to MoneyLion or Payactiv.
  2. Consider the funding speed. Most apps transfer money within one to three business days for free. Or you can get instant funding for a fee. Make sure the fast funding fees are manageable.
  3. Evaluate all the fees. Some apps charge a monthly membership fee. Others have optional tips and fast funding fees. Understanding the total costs of a cash advance can help you avoid unexpected charges.
  4. Read the repayment terms. All apps have their own repayment rules. Most require payment on your next payday. Check how easy it is to change the due date in case you ever need extra time.
  5. Find out if the app offers overdraft protection. A lot of cash advance apps will automatically withdraw funds when due. The automatic withdrawal can lead to overdraft fees if your account is low. Look for cash advance apps like Empower that reimburse fees or protect against overdrafts.
  6. Research the app’s reputation. Read customer reviews and check ratings on app stores for insight into the user experience. Look for apps with positive reviews and helpful customer service. 
  7. Look for additional features and financial tools. Lots of cash advance apps also offer budgeting tools, financial advice, or the ability to track spending. Extra features you’ll use are especially important if you’re paying a monthly membership fee.
  8. Assess eligibility requirements. Some apps require you to have direct deposit set up, an active bank account that’s over three months old, or an electronic timesheet. Make sure that you meet the app’s eligibility criteria.

What to be aware of with money borrowing apps

Cash advances can be invaluable during emergencies, but they have potential pitfalls.

Habit of borrowing

Relying on cash advance apps regularly can lead to dependency. These services are for emergencies, not monthly use. If you find that you consistently need to borrow, it’s time to increase your income.

Initial advance amount can be low

When you start using a cash advance app, the initial borrowing limit may be modest. Many apps start with a low advance amount to assess your repayment habits.  As you repay on time, the app will likely increase the amount you can borrow.

Fees can add up

Costs can make advances expensive. There’s the potential subscription fee, an optional tip, and a fast funding fee. While the fees are modest on their own, they add up fast. Avoid using fast funding and wait to get your money for free. Also, there’s no benefit to tipping.

Repayment may cause an overdraft

Most apps withdraw payment automatically on your next payday. If you don’t have enough money in your account for whatever reason, this can cause an overdraft. Overdraft fees can go up to $35.

Tips for using instant cash advance apps

Cash advance apps are incredibly convenient when you need 200 dollar loan, but it’s essential to use them wisely.

The first rule is not to overtip. Tips are optional and will not affect your access to future advances. Secondly, plan ahead so you don’t need to use the fast funding feature. While both the suggested tip and fast funding fee appear small, they can add up. For instance, say you take out a $200 advance due in 14 days. You pay a $5 fast funding fee and leave an $11 tip. That is equivalent to a 200% APR (annual percentage rate). A triple-digit APR is too high. An affordable APR is below 36%.

Anytime you borrow money, have a plan in place to repay it. The rule also applies to cash advance apps. You must adjust your budget, knowing your next paycheck will be short. Changing your spending, at least temporarily, will help you avoid taking out another advance. Otherwise, you can easily find yourself in a cycle of borrowing.

Cash advances are helpful for emergencies, but refrain from relying on them too much. They are a tool, not a substitute for consistent income.

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Are cash advance apps safe?

Cash advance apps are generally safe to use. Most employ encryption technology to protect your data and prevent it from falling into the wrong hands.

They are also considered safer than payday loans and less likely to lead to a cycle of debt. A $500 payday loan guaranteed may be tempting, but the fees are much higher. Payday lenders often charge you to roll over the loan and will report defaults to the credit bureaus. Debt collectors can then sue you for the unpaid loan.

Cash advance apps do not charge hefty interest rates or rollover fees if you can’t pay on time. Most do not report your activity to the credit bureaus. Often, if you fail to repay, you simply cannot take out another advance. The fees they do charge are minimal, and many are optional.

Alternatives to cash advance apps

Cash advance apps are helpful, but not for everyone or every situation. Anytime you need money, consider all your borrowing options to make an informed decision.

Credit cards

Credit cards are another way to finance purchases when you’re low on cash. If you can pay your statement balance in full by the due date, you won’t have to pay any interest or late fees.

You could also apply for a credit card with an introductory 0% APR. A low intro APR lets you manage expenses without incurring immediate interest charges. Be sure to pay the balance in full before the introductory period ends and the interest rate increases dramatically.

The problem with financing emergencies with your credit card is the high interest rate. If you’ve fallen behind on payments, knowing how to negotiate credit card debt can help. Negotiating with creditors can lead to lower interest rates, reduced balances, and even waived fees.

Credit card cash advances

Another option is to withdraw cash directly from an ATM using your credit card. Credit card cash advances give you money instantly. The credit card issuer will charge fees and a higher interest rate that applies immediately for access to funds. Credit card cash advances can be helpful if you need extra cash right away and can pay it back fast.

Personal loans

Personal loans are a better choice for significant, one-time expenses. Most are repaid in installments and have lower APRs than cash advances. You pay a fixed amount each month rather than a lump sum. Monthly payments are easier to budget for than lump-sum payments.

You can get personal loans for bad credit. Look into online lenders, credit unions, and community banks. All have more lenient requirements. You will likely pay a higher interest rate if your credit score is poor.

One tip is to prequalify and compare offers. Prequalifying only requires a soft credit check. You will see potential offers without impacting your score. Then apply for the best one.

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401(k) loans

A 401(k) loan is when you borrow money from your retirement account. You’ll receive a low interest rate, and the interest you pay goes back into your account. The problem with a 401(k) loan is that you must repay it within five years or face tax penalties. The repayment time goes down to 60 days if you leave your job.

Will my employer know if I take a 401k loan? Yes, because they typically process the loan through payroll deductions. While HR and your manager will know, your direct supervisor may not be aware.

Peer-to-peer lending

Peer-to-peer lending platforms connect borrowers directly with individual lenders, often at competitive rates. This method provides an alternative to traditional bank loans, typically offering more flexibility. However, interest rates can vary, so it’s important to compare offers before committing.

Buy now, pay later (BNPL) apps

BNPL apps allow you to spread out the cost of purchases, over usually over four to six weeks. They don’t charge interest or fees if you make all your payments on time. Like cash advance apps, most do not require a credit check. The catch with BNPL apps is that they often lead to overspending.

Borrow from friends and family

Friend or family loans can be a cost-effective solution to a cash shortage. Most people don’t charge interest or fees and will provide flexible repayment terms. For the sake of your relationship, it’s essential to clearly communicate the terms before borrowing.

Frequently asked questions

1. What cash advance apps work with Cash App?

Several cash advance apps are compatible with Cash App, including Albert, Empower, and Brigit. These apps let you connect Cash App as your receiving account. Linking the two provides quick, hassle-free access to advances and simplifies repayment. Always verify compatibility within each app, as integration options can occasionally change.

2. Do cash advances affect your credit score?

Most cash advance apps do not perform hard credit checks, so requesting an advance will not impact your credit. Generally, the apps do not report payments to credit bureaus, so whether you pay on time or not will not affect your score. There are exceptions to this rule, so check with your app.

3. How can you get an advance on your paycheck?

You can request an advance on your paycheck from your employer or use a cash advance app. Many cash advance apps let you access your earned wages before payday.

4. How does a cash advance app differ from a payday loan?

Cash advance apps are more flexible and affordable than payday loans. They do not charge interest, and many of the fees are optional. Most apps also let you change your due date without a fee. Payday loans tend to have higher interest rates and fees equivalent to a 400% APR. If you need to extend the loan, most payday lenders charge you.

5. Can you get a free cash advance with no credit check?

It is possible to get a cash advance for free without a credit check. Very few, if any, apps conduct a credit check. To get an advance for free, you’ll have to find an app that does not charge a subscription fee. Then, do not tip and do not pay the fast funding fee.

6. What app gives you money instantly?

Virtually all cash advance apps provide instant advances. Typically, you can receive your money within minutes when you pay a small fee. If you can wait one to three business days, you can get your cash for free. Check with the app you’re interested in for exact funding times.

7. What cash advance apps work with Chime?

Several cash advance apps work seamlessly with Chime, including Dave, Cleo, and EarnIn. These apps allow users to connect their Chime accounts easily, enabling quick transfers and efficient repayment.

Bottom line

Cash advances are a viable alternative to payday loans when you need extra money. They can help you out in a pinch with cash to bridge the gap till payday. But don’t rely on them. While much cheaper and more manageable than payday loans, they are still a form of borrowing.

Your best bet for long-term financial stability is to create a budget and build an emergency fund. A budget can make your dollars stretch further. If you don’t have one, that should be your first priority. An emergency fund can be a safety net for when unexpected expenses hit. Cash advance apps are there for you anytime you need them, but a budget and emergency fund will provide long-term financial health.

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.
2. Paycheck Advance is an earned wage access service and is not a loan or credit product.
3. 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/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.
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. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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 Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) 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. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
12. 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.
13. 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. No minimum balance required. 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%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
14. 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.
15. 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.
16. 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.
17. 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.
18. 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.
19. 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.
20. 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.
21. 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.
22. 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.
23. 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.
24. 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.
25. 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.
26. 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.
27. 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.
28. 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.
29. 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.
30. 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.
31. 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.
32. 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.
33. 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.
34. Tipping or not tipping has no impact on your eligibility for SpotMe®.
35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
37. 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.
38. 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.
39. 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.
40. 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.
41. MyPay is only offered in select states
42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.
43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).                              Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms.                              Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.
* EarnIn is not available for Connecticut residents
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About the author

Author Rachel Alulis 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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