Have you ever wondered if you can really make money on Chime instead of just spending it? In 2025, Chime isn’t just a mobile bank — it’s a legit income tool. Whether you want to earn an extra $500 fast or build a consistent monthly stream, this guide will show you exactly how.
You’ll discover realistic ways people earn cash using Chime — from affiliate-style bonuses to creative digital side hustles. Plus, you’ll learn what Chime pays you to do, what features help maximize earnings, and how to stack bonuses fast.
By the end of this guide, you’ll know how to set up your account, pick the best income paths, and potentially earn $1,200+ per month using Chime and its ecosystem. No fluff — just real ways people are getting paid in 2025.
Key Takeaways
- Turn Chime into an income hub: Learn how to earn with surveys, apps, gigs, and cashback using your Chime account.
- Stack bonuses up to $500 fast: Chime partner offers let you earn rewards through simple online tasks in the first month.
- Know what Chime pays for: Understand how Chime’s business model allows users to get paid through usage, not fees.
- Step-by-step setup included: Follow a full beginner roadmap from account creation to earning your first payout.
- Profit using trusted tools: Discover essential AI tools and affiliate platforms that boost income from Chime.
How to Make Money on Chime?
Making money on Chime is surprisingly simple in 2025. Thanks to its unique fee-free structure and lucrative partner offers, users are earning income through surveys, bonuses, and Chime-powered tools with minimal effort.
Unlike most banks, Chime isn’t designed to profit from you. Instead, it profits from card usage (via interchange fees), which means Chime actually wants you to spend, earn, and stay active. That leads to real money-making options for users.
You don’t need to be an influencer, YouTuber, or side hustle pro to start. If you can fill out surveys, complete app offers, or flip used items, Chime can help you earn.
And because Chime integrates easily with payout apps and tools, it’s a great choice for gig workers, freelancers, and creators looking to boost cash flow fast.
What do you need to get started?
To make money on Chime, you’ll need a free Chime account with a verified debit card (usually approved within minutes). A smartphone or computer is essential to access partner offers or gig apps. Most users also need a PayPal account or email for receiving third-party rewards. Some opportunities may require you to connect payroll or receive direct deposits.
How much money can you make on Chime?
Users can earn $100 to $1,200+ per month by stacking Chime bonus offers, completing tasks, or using Chime-linked cash-back tools. First-month bonuses alone can total $300–$500 when maximizing new-user offers. For example, Chime user Rachel W. earned $587 in her first 30 days by completing Swagbucks and Survey Junkie tasks, referring friends, and flipping thrift items with Poshmark — all linked to her Chime debit card.
17 Effective Strategies to Make Money on Chime
Whether you’re a gig worker, side-hustler, or small business owner, these 17 effective strategies show how to make money on Chime—stacking cashback, referrals, and fast payouts—to turn everyday activity into steady, scalable income in 2025.
1. Take Paid Surveys with Chime-Approved Partners
One of the easiest and fastest ways to make money on Chime is through paid surveys. Chime partners with top-rated survey platforms like Swagbucks, Survey Junkie, and InboxDollars, which offer payouts for answering questions and completing microtasks.
Most of these platforms offer a new-user bonus when you sign up using your Chime debit card or link it for payout. The tasks are simple — think multiple-choice questions, product feedback, or media reviews — and you can get paid in as little as 10–20 minutes.
Payouts vary by platform, but some users earn $5–$20 per day with consistent effort. Since Chime processes payments instantly, you can receive your survey income faster than with most other banks.
How to Start Taking Paid Surveys on Chime?
- Sign up for Chime and activate your free debit card.
- Visit Chime’s earnings blog or inbox for vetted survey platform links.
- Register for platforms like Swagbucks, InboxDollars, and Survey Junkie.
- Complete your profile to unlock higher-paying surveys.
- Start completing surveys daily, prioritizing short, high-reward ones.
- Enable auto-payout to your Chime account.
- Track your progress weekly to optimize your time and earnings.
Quick tip: Focus on surveys that take under 15 minutes but pay $1+ — they offer the best ROI.
2. Get Cash Back with Chime Deals
Chime members have exclusive access to rotating cashback offers through retail partners — often referred to as Chime Deals. These offers work like other cashback platforms, but the money goes directly to your Chime account when you use your Chime card to complete a purchase.
Deals range from 2% to 20% back and apply to everything from groceries and takeout to digital tools and fashion. While it’s not “free money,” it’s a smart way to make passive income on purchases you’re already making.
Combined with coupon apps and browser extensions, Chime Deals can generate $50–$150 per month in cashback with no extra work.
How to Use Chime Deals for Cash Back?
- Log into your Chime app and look for the “Chime Deals” or “Perks” section.
- Browse available offers from brands you shop at regularly.
- Tap to activate deals before you spend.
- Use your Chime debit card to complete the purchase online or in-store.
- Watch for instant or delayed cashback (usually 1–7 days).
- Check your transaction history to track rewards.
- Combine with other coupon or rewards apps for extra savings.
Quick tip: Stack Chime Deals with Rakuten or Honey for double cashback from certain merchants.
3. Complete Microtasks with Offer Walls
Chime’s blog promotes earning apps that reward users for completing simple tasks — also called microtasks — like playing games, downloading apps, watching videos, or testing tools. These offers are found on “offer walls” hosted by companies like KashKick, AdGem, and Fyber.
Most offer walls pay between $0.25 and $50 per task depending on the complexity. Some high-paying tasks include app trials, first-time signups, and product testing.
When connected to your Chime card, many of these platforms pay faster or even offer a Chime-only bonus for new users.
How to Complete Microtasks for Cash on Chime?
- Open Chime’s partner offer blog or look for affiliate links in your account.
- Choose a platform like KashKick or InboxDollars.
- Browse available microtask offers and filter by payout size.
- Prioritize offers that pay $1+ and require minimal effort.
- Follow instructions exactly to ensure you qualify for the reward.
- Once completed, cash out earnings to your Chime debit account.
- Repeat regularly — most platforms refresh offers daily or weekly.
Quick tip: Focus on “free trial” or “sign-up” offers — they pay more than most tasks.
4. Get Paid to Refer Friends to Chime
Chime’s referral program is one of the most generous in digital banking. In 2025, you can earn up to $100 per friend who joins Chime using your link and receives a qualifying direct deposit.
Some users report earning $1,000+ per year through referrals alone, especially if they promote their link on social media, Reddit, or referral groups.
Referrals are tracked instantly, and bonuses are deposited within days of the friend’s deposit.
How to Earn with the Chime Referral Program?
- Log into your Chime account and go to “Refer Friends.”
- Copy your unique referral link.
- Share it on TikTok, Facebook, Instagram, Reddit, or text groups.
- Encourage friends to open an account and set up direct deposit.
- Once your friend’s deposit hits, both of you receive a cash bonus.
- Monitor referral stats in your dashboard.
- Repeat — Chime allows up to 10 active referral rewards per month.
Quick tip: Join referral-sharing Facebook groups to promote your link and get more signups.
5. Freelance Online with Chime Payouts
If you freelance — writing, design, coding, or admin tasks — you can use Chime to get paid faster. Platforms like Fiverr, Upwork, and Toptal support Chime-linked payouts through Payoneer or direct deposit.
What makes Chime attractive is that it offers fee-free instant deposits from most platforms, so your income hits your account sooner.
This makes Chime ideal for side hustlers and full-time freelancers who want to avoid banking delays and monthly fees.
How to Get Paid Freelancing Through on Chime?
- Create a Chime account and verify your debit card.
- Sign up on freelance platforms like Fiverr or Upwork.
- Set your payout method as ACH or Payoneer to link with Chime.
- Complete freelance gigs — start with small jobs to build ratings.
- Set up instant or weekly payouts to your Chime account.
- Use Chime’s transaction dashboard to manage your cash flow.
- Automate savings for taxes using Chime’s Save When I Get Paid feature.
Quick tip: Offer rush delivery options to earn more and trigger faster payouts.
6. Sell Items Online and Get Paid Through Chime
Selling used items or digital products is a flexible way to earn money, and Chime works seamlessly with platforms like eBay, Poshmark, Mercari, and Etsy. These platforms let you cash out earnings to Chime instantly or via PayPal.
Whether you’re flipping thrift store finds or dropshipping digital downloads, Chime helps you get paid quickly without traditional bank holds or fees.
How to Sell and Get Paid on Chime?
- Sign up for selling platforms like eBay, Mercari, or Poshmark.
- List products using clean photos and keyword-rich descriptions.
- Ship items quickly to receive positive ratings.
- Choose Chime as your deposit method or link PayPal to Chime.
- Transfer earnings as soon as available (some same-day).
- Reinvest profits to scale up your online store.
- Track all deposits in your Chime app for income reporting.
Quick tip: Focus on trending seasonal items (e.g. fall fashion or back-to-school gear) for faster sales.
7. Drive or Deliver with Chime Payments
Gig economy drivers using DoorDash, Uber Eats, or Instacart can receive same-day payouts through Chime. Most delivery apps allow instant transfers to Chime via Visa Direct — often available in minutes for a small fee.
Many drivers prefer Chime because it allows faster access to tips, bonus earnings, and allows scheduling daily payouts without traditional delays.
How to Get Paid for Driving/Delivery with Chime?
- Apply to a delivery app (DoorDash, Uber Eats, Grubhub).
- Complete onboarding and background checks.
- Add your Chime card for instant payout eligibility.
- Accept deliveries during high-demand hours for better tips.
- Cash out earnings to Chime as often as allowed.
- Use Chime’s alerts to monitor deposits in real-time.
- Save part of each payout using Chime’s Round-Up savings feature.
Quick tip: Aim for lunch and dinner rushes — they offer the best bonuses and tips.
8. Try Gig Apps That Pay Instantly to Chime
Apps like Steady, Field Agent, and TaskRabbit offer hyper-local gigs you can complete for fast pay. These can range from taking product photos at a grocery store to assembling furniture or helping someone move.
Most of these apps offer daily or even instant payout options — and Chime supports them all. With no transfer limits or hidden fees, you keep more of what you earn.
How to Use Gig Apps with Chime?
- Download gig apps like Field Agent, TaskRabbit, or Gigwalk.
- Set up your Chime debit card as the payout method.
- Browse local or remote task listings.
- Complete tasks and upload proof of completion.
- Accept payment once verified (usually same-day).
- Transfer funds to your Chime account immediately.
- Use Chime’s insights tab to track income by app.
Quick tip: Build a routine — checking new gigs daily increases income consistency.
9. Use Chime with Side Hustle Marketplaces
Many users build passive income streams by joining marketplaces like Printful (print-on-demand), Ko-fi (creator support), or Gumroad (digital products). Chime makes it easy to get paid from these platforms via ACH or PayPal.
You can create ebooks, art prints, online guides, or design merch — and Chime deposits earnings faster than most traditional banks.
How to Use Chime with Hustle Platforms?
- Choose a marketplace aligned with your skill (e.g., Printful for merch, Gumroad for PDFs).
- Create and list digital or physical products.
- Connect Chime for payouts via PayPal or ACH.
- Promote your products via social media and SEO.
- Collect earnings and track them in your Chime account.
- Optimize products based on what sells the most.
Quick tip: Start with one product — test, optimize, then scale your catalog.
10. Stack Rewards with Chime + Cashback Apps
You can increase passive earnings by linking Chime to cashback and receipt-scanning apps like Fetch Rewards, Receipt Hog, and Ibotta. These apps let you scan receipts or shop through affiliate links and pay you via PayPal or ACH.
Because Chime doesn’t block micro-transfers or charge fees, it’s the perfect account for stacking multiple cashback rewards.
How to Use Chime with Cashback Apps?
- Download cashback apps like Ibotta or Fetch.
- Link your Chime account or Chime-linked PayPal.
- Activate offers and shop at qualifying stores.
- Scan your receipt or complete purchases online.
- Redeem rewards once minimum thresholds are met.
- Withdraw to Chime for instant access.
Quick tip: Scan every receipt — even small ones earn points that add up fast.
11. Earn from Game Apps That Pay to Chime
Chime works well with mobile gaming apps like Mistplay, Rewarded Play, and JustPlay that offer small cash prizes or gift card redemptions. Users earn by playing games, completing levels, and watching ads.
Many of these apps now allow PayPal cashouts, which can be linked to your Chime account. While individual earnings are small ($0.50 to $5/day), consistent gameplay can stack up, especially when used during downtime. It’s an easy entry point into micro-earning.
Quick tip: Prioritize apps with “instant payout” or “daily withdrawal” options to maximize momentum.
12. Flip Items Locally with Chime Payments
Apps like Facebook Marketplace, OfferUp, and Craigslist allow you to buy and sell used goods for profit. You can accept cash, Venmo, or PayPal and instantly deposit those funds into Chime.
People often flip furniture, electronics, or collectibles and earn $100–$500+ monthly. Chime makes tracking income easier with transaction notifications and instant balance updates.
Quick tip: Use Chime’s savings roundup tool to auto-save profits from each flip.
13. Use Chime for Affiliate Marketing Payouts
Affiliate marketers can use Chime as their primary payout account from platforms like Impact, ShareASale, and Amazon Associates. Since Chime supports ACH transfers and Payoneer, it’s easy to manage multiple income streams.
If you run a blog, niche site, or social channel, you can earn commissions and receive deposits weekly or monthly without worrying about fees.
Quick tip: Organize affiliate income using Chime’s “Pay Anyone” tags for easier tax tracking.
14. Get Paid to Test Websites and Apps
Sites like UserTesting and TryMyUI pay users to test websites, apps, or prototypes and give verbal feedback. Tests usually take 10–20 minutes and pay $10–$25 each. You can connect your Chime-linked PayPal or use direct deposit options to get paid faster. It’s a low-effort side gig for tech-savvy users with a mic and screen recorder.
Quick tip: Test during weekday mornings — that’s when most high-paying tasks are released.
15. Join Market Research or Product Testing Panels
Market research firms like Pinecone Research, Product Report Card, and Respondent pay users to participate in product feedback, interviews, and focus groups. You can receive gift cards or PayPal cashouts, easily routed to Chime. Some sessions pay $50–$250 depending on the topic, making this one of the highest-paying casual side hustles available through Chime-supported platforms.
Quick tip: Sign up for multiple panels to increase your chances of qualifying each week.
16. Monetize Social Content with Creator Tools
Creators using Instagram, TikTok, or YouTube Shorts can now monetize via brand deals, platform bonuses, or affiliate links — all of which can pay into Chime. Once monetization is enabled, use Chime for faster access to earnings via Stripe, Payoneer, or brand payouts. This is especially helpful for micro-influencers or side hustle content creators.
Quick tip: Link Chime to your Ko-fi or Buy Me a Coffee page for direct fan tips.
17. Automate Savings with Chime Round-Ups
While not a direct income stream, Chime’s Round-Up and Save When I Get Paid features help users “earn” by automating their savings. Each purchase rounds up to the nearest dollar, sending the difference to savings. Over time, users passively build a fund that can be reinvested into their side hustles or used to scale income.
Quick tip: Turn on both savings features — it’s the easiest way to build $500+ without noticing.
Step-by-Step Guide to Make Money on Chime
If you’re just getting started, don’t worry — making money with Chime is easy and beginner-friendly. Below is a simple, step-by-step guide to walk you through the full process — from account setup to real earnings.
Step 1: Create a Chime Account
Visit Chime.com and sign up for a free account. You’ll need a valid email address, phone number, and government-issued ID. Once approved (usually within minutes), you’ll receive your Chime Visa debit card in the mail. You can start using your digital card immediately for online earnings.
Step 2: Set Up Direct Deposit and App Settings
Enable direct deposit if you plan to earn from gig apps or freelancing. Chime offers two-day-early access to direct deposits, which speeds up your cash flow. Also, activate “Save When I Get Paid” and Round-Up features to help build passive savings from earnings.
Step 3: Explore Chime-Approved Offers and Tools
Head to Chime’s official blog and check the “Make Money Online” section for current partner offers. These may include paid surveys, cash-back apps, and gig platforms that deposit rewards directly to your Chime account. Start with Swagbucks, Survey Junkie, or KashKick to earn your first $50 fast.
Step 4: Choose Your First Earning Method
Pick one simple method to start — such as taking paid surveys, completing microtasks, or selling used items on Poshmark. These require no upfront investment and can begin generating income within a day or two. Focus on consistent, repeatable tasks to build momentum.
Step 5: Connect Chime to Payout Apps
Whether you’re using PayPal, Fiverr, Upwork, Instacart, or Rakuten, make sure your Chime account is linked properly to receive payouts. Most apps allow ACH transfer or PayPal-to-Chime transfers. This ensures faster and fee-free access to your earnings.
Step 6: Track and Optimize Your Earnings
Use Chime’s built-in transaction tools to categorize income, view deposits, and track earnings over time. Aim to increase your most profitable tasks while cutting out low-paying ones. Set weekly income goals and monitor your progress through the Chime app.
Step 7: Scale with New Platforms and Bonuses
Once you’re earning consistently, add new methods like gig apps, affiliate marketing, or flipping items for resale. You can also refer friends to Chime for up to $100 per referral. This is a great way to multiply your income without spending more time.
Step 8: Automate and Reinvest Earnings
Turn on auto-transfers from your Chime account to a high-yield savings account or side hustle reinvestment fund. This helps you grow your income beyond small tasks. For a smarter workflow, check out our Read More blog post: Best AI Tools to Make Money Online in 2025 — they pair perfectly with Chime for side hustle automation.
Tips to Increase Revenue on Chime
Maximizing your Chime earnings isn’t just about finding tasks — it’s about stacking, optimizing, and automating. Start by combining multiple income streams that complement each other. For example, take surveys during downtime, flip items on weekends, and use cashback apps for everyday shopping.
Keep an active referral pipeline going — sharing your Chime link can generate up to $1,000+ annually. Use your Chime account to receive tips, affiliate income, and gig payouts in one place, and track your income using Chime’s in-app tools.
Set weekly targets, automate savings using Chime’s round-ups, and reinvest profits into higher-paying opportunities. The more you use your Chime account actively, the more platforms reward your engagement.
Quick tip: Stay updated with Chime’s partner blog — they often announce new promo offers or boosted payouts.
Best AI Tools for Making Money on Chime
AI tools can dramatically boost how fast and efficiently you earn with Chime-connected platforms. For freelancers, Jasper.ai and Copy.ai generate blog posts, product listings, and social content in minutes. For survey and offer seekers, use Notion AI or Bardeen to automate repetitive tracking and task reminders.
Side hustlers selling products can speed up marketing with Canva’s AI tools and automate listing generation with ChatGPT plugins. These tools reduce time spent on busywork and allow you to scale earnings through automation.
AI tools are especially useful when stacking multiple Chime-supported methods like affiliate marketing, freelancing, and online flipping. Use AI to research, generate content, respond to messages, and schedule posts.
Quick tip: Test one AI tool at a time — then double down on what saves you the most time.
Best Affiliate Platforms for Chime Users
Affiliate marketing is one of the best long-term income strategies for Chime users. You can promote products, earn commissions, and get paid weekly or monthly via ACH or Payoneer — both compatible with Chime.
Top platforms include Impact, ShareASale, CJ Affiliate, and PartnerStack. For beginners, Amazon Associates is a solid starting point, though commission rates are lower. Advanced marketers may prefer high-ticket affiliate programs in finance, software, or e-commerce.
You don’t need a website to start — affiliate links can be shared on YouTube Shorts, TikTok, or even Pinterest. As traffic grows, connect Chime for fast payouts and zero-fee deposits.
Quick tip: Use Chime’s nickname feature to label affiliate income sources for better tracking and tax prep.
Best Marketing Tools for Monetizing on Chime
Marketing is key when scaling Chime-supported side hustles like selling online, freelancing, or affiliate work. Tools like Buffer and Metricool allow you to auto-schedule content across Instagram, TikTok, and Facebook. Linktree lets you collect leads and referrals in one optimized landing page.
If you’re growing a small business or brand, MailerLite is a great beginner-friendly email tool for automating promotions. You can also use Zapier to integrate Chime payout alerts with marketing tasks — like sending thank-you emails when you earn.
For creators, use Canva Pro or Pictory to produce branded visuals or short-form video content quickly. These tools help drive traffic to your monetized links — which helps you earn more, faster.
Quick tip: Repurpose one piece of content across five platforms using a scheduler like Metricool.
Conclusion
Making money on Chime in 2025 is not only possible — it’s easier than ever. With dozens of income methods like surveys, cashback, referrals, and freelancing, Chime empowers users to earn faster, automate savings, and keep more of what they make.
Whether you’re stacking small wins or building a full-time side hustle, Chime supports flexible, fee-free earning. Use the tools and tactics in this guide to hit your first $500… and then scale from there.
Now is the perfect time to turn your Chime account into a profit engine.
Frequently Asked Questions (FAQs)
How fast can I start making money with Chime?
You can start earning within 24 hours of account approval. Many survey sites and partner offers pay out bonuses or small tasks immediately. Referrals and gig work may take 3–5 days to generate your first income.
Do I need a direct deposit to get paid?
Not always. Most platforms like Swagbucks, InboxDollars, Fiverr, and PayPal allow payouts to Chime without a direct deposit. However, to claim referral bonuses or certain gig earnings, a qualifying deposit may be required.
What’s the most profitable way to make money on Chime?
Referral bonuses, affiliate marketing, and flipping items tend to be the highest-earning methods. For passive income, cashback apps and surveys offer steady gains when used consistently.
Can I use Chime with PayPal or Venmo?
Yes. You can link Chime to both PayPal and Venmo. This allows you to transfer funds between platforms and access earnings quickly. Most users set PayPal as a middleman for survey or gig platforms.
Is Chime safe to use for business or side hustle income?
Absolutely. Chime is FDIC-insured (through partner banks) and offers strong security. It’s used by thousands of freelancers, drivers, and creators to manage business income safely and fee-free.
How much can I realistically earn per month?
Beginners often earn $100–$300/month using simple methods like surveys, referrals, or microtasks. With more advanced methods like freelancing or affiliate marketing, $500–$1,500+/month is realistic for many users.
Can I automate my Chime income?
Yes. Use tools like Zapier, AI schedulers, and Chime’s auto-savings features to automate payouts, savings, and content. This lets you earn while minimizing time spent on manual tasks.
