Chime®: Shopping portal cashback & miles rates
Checked 10h ago · 5 portals compared
Every portal below pays you for starting your Chime® purchase there: they split the commission they get from Chime® with you. Same store, same checkout, same order, but cashback or miles on top. New here? How portals work
Best Chime® rate right now
Best right now
Verdict:
True on most portals for Chime®:
Cashback
Category rates & exclusions
- New Chime® Customer Direct Deposit $50
Exclusions: - Use of a coupon code not displayed on TopCashback. Terms: - Cash Back is calculated only on the item(s) price and does not include taxes, shipping or other fees. - To be eligible to receive Cash Back (the “Promotional Reward”) into your TopCashback account, you must: 1) have an open TopCashback account; 2) must navigate to the Chime enrollment flow from the TopCashback webpage using the applicable sign up link and open a Chime Checking Account (“Account”); and 3) receive a Qualifying Direct Deposit to the Account within 30 days of signup. A Qualifying Direct Deposit is a deposit of $200 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer. 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. Eligible participants may only receive this Promotional Reward once. TopCashback is responsible for this promotion, these terms and conditions, and for the fulfillment of the Promotional Reward. By participating in this promotion, you consent to Chime notifying TopCashback that you have opened an Account and received a Qualifying Direct Deposit. TopCashback reserves the right to cancel or modify the promotion terms or terminate the participant's eligibility at any time with or without prior notice. In the event that you have issues with this promotion, please contact TopCashback via the support center. Chime reserves the right to no longer participate in the promotion or request amendment to these promotion terms and conditions by TopCashback. 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. - Cashback received will be the amount displayed on site on the day the deposit was made. - Cash back will not track until the above conditions including valid direct deposit have been completed - Please note: At this time claims are not accepted - Cash Back earned cannot exceed the total purchase amount. - To be eligible for Cash Back on all products, you must begin your purchase with an empty shopping cart.
Details last checked 6d ago, we’ll re-check soon.
What doesn't earn
Cash Back is not available on the purchase or redemption of gift cards. Eligibility : To be eligible to receive the advertised Cash Back for use with Rakuten under this promotional offer, you must: (1) have never opened a Chime Checking Account (“Account”) before; (2) successfully open an Account from the Promotion webpage utilizing Rakuten’s relevant sign up link; and (3) receive a Qualifying Direct Deposit to your Account within 30 calendar days of opening the Account. A Qualifying Direct Deposit is a deposit of $200.00 or more by Automated Clearing House (“ACH”) from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer. 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. Limitations : Eligible Participants may only receive this Reward once. This Reward cannot be combined with any other enrollment bonuses, including a referral reward. Rakuten reserves the right to cancel or modify the Promotion terms and conditions or terminate your eligibility at any time with or without prior notice. You will be provided the Reward generally within a few weeks after completing the above criteria. This Promotion is provided by Rakuten. Neither Chime Financial, Inc. (“Chime”), nor its bank partners, The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, are the sponsors of this Promotion, nor are they the providers of any rewards under this Promotion. However, Chime will be required to share your account enrollment and Direct Deposit status with us in order to facilitate the crediting of points to your account with Rakuten. Have questions? Please contact our Help Center at https://www.rakuten.com/help . 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. The Chime Visa® Debit Card and The secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Use of coupons or promotional codes not listed on Rakuten may void Cash Back.
What doesn't earn
Cash Back is not available on the purchase or redemption of gift cards. Eligibility : To be eligible to receive the advertised Cash Back for use with Rakuten under this promotional offer, you must: (1) have never opened a Chime Checking Account (“Account”) before; (2) successfully open an Account from the Promotion webpage utilizing Rakuten’s relevant sign up link; and (3) receive a Qualifying Direct Deposit to your Account within 30 calendar days of opening the Account. A Qualifying Direct Deposit is a deposit of $200.00 or more by Automated Clearing House (“ACH”) from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer. 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. Limitations : Eligible Participants may only receive this Reward once. This Reward cannot be combined with any other enrollment bonuses, including a referral reward. Rakuten reserves the right to cancel or modify the Promotion terms and conditions or terminate your eligibility at any time with or without prior notice. You will be provided the Reward generally within a few weeks after completing the above criteria. This Promotion is provided by Rakuten. Neither Chime Financial, Inc. (“Chime”), nor its bank partners, The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, are the sponsors of this Promotion, nor are they the providers of any rewards under this Promotion. However, Chime will be required to share your account enrollment and Direct Deposit status with us in order to facilitate the crediting of points to your account with Rakuten. Have questions? Please contact our Help Center at https://www.rakuten.com/help . 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. The Chime Visa® Debit Card and The secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Use of coupons or promotional codes not listed on Rakuten may void Cash Back.
Show all 5 cashback portals
What doesn't earn
Online Exclusions: Cash Back is only available for Enrollments. Posting Time: Purchases will typically show in your wallet as pending in 7 days. Approval Time: Cash Back will be added to your wallet in approximately 90 days. Activate Cash Back
Joining a portal through a link here may earn us a referral bonus; it never changes these rates or their order. Details
How this tool is funded
Some links here are referral links: if you join a portal through one, that portal may pay us a referral bonus. It never changes the rates we show or how we rank them. How we make money
Best play
Stack the portal with the right card: the same purchase earns two ways.
Also fits: Bank of America Customized Cash Rewards (3% back on online retail) · Amex Blue Business Plus (2x Amex points on everything)
Card earn rates are our own notes, not live data. Issuer caps and terms apply, so double-check before counting on one.
Paying with a gift card usually voids the portal's cashback. The discount on the card is your saving instead.
Recent changes last 21 days
Common questions
Which shopping portal pays the most at Chime®? +
Right now $100 on TopCashback leads, out of 5 portals we track for Chime®. The full side-by-side comparison of cashback, miles, and points is above.
Can I earn airline miles or points for Chime® through a shopping portal? +
Not right now. None of the 5 portals we track list airline miles or transferable points for Chime® today. That can change, so it's worth setting an alert.
How often do Chime®'s cashback rates change? +
We've tracked Chime® since Jul 12, 2026. Portal rates change whenever the portal updates them, and each row shows exactly when we last confirmed it.