You’re not required to switch, but we strongly recommend it. Upgrading to Chime Card unlocks access to new features like upgraded card designs and a single balance to spend from. Once you achieve Chime+ status, you'll also unlock Cash Back* on your Chime Card.
*With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases. Please refer to the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories.