Chime does not publish what the referrer earns. Its own help page says the bonus depends on the offer active when your friend signs up, so any specific figure quoted elsewhere is somebody's own targeted offer rather than a rate. The referred person's $100 is fixed, and the cap is a count rather than a dollar ceiling: ten successful referrals a calendar year.
How you get your link
Get your referral link from the Chime app.
- Share your referral link
What the person you refer gets
$100. They must get a qualifying direct deposit of $200+ in 45 days.
The cap, exactly
Chime caps this at 10 per calendar year, per person. The limit follows you, not the card, so holding more than one eligible card does not multiply it.
Tax treatment
Chime issues both forms by side: a 1099-INT at $10 or more of interest and qualifying bonuses, and a 1099-MISC at $600 or more in promotions, sweepstakes, or prizes. It lists referrer bonuses under the 1099-MISC. The tax falls on the person doing the referring, not the person referred. This is reference information, not tax advice.
Where you may share this link
We read Chime's published terms and they do not address where you may share your link. That is not the same as permission. Silence leaves you without a rule to point to if the reward is ever questioned, so Dealaka hosts no links for this program.
When it pays
After the friend's qualifying direct deposit settles.
The fine print that matters
- The referrer amount is set by the offer active when your friend signs up, not when you send the link, and Chime publishes no figure.
- The cap is ten successful referrals per calendar year. A $1,000 annual dollar cap circulates elsewhere and is not confirmed on Chime's own pages.
- The friend needs a qualifying direct deposit of $200 or more within 45 days, and must activate their card within 14 days of it.
- Chime is the only program we track that names both tax forms and splits them by side, with the referrer's bonus under the 1099-MISC threshold of $600.
- Chime describes sharing on social media in its marketing, but publishes no referral terms document, so we make no claim about where the link may go.
Sources: chime.com standard referral program help page (checked Jul 21, 2026) · chime.com 1099 form help page (checked Jul 21, 2026)
Dealaka does not host referral links for this program and takes no share of any referral reward. This page describes the terms Chime publishes. Something wrong? Send a tip.