No, Chime credit cards do not allow cash withdrawals at ATMs
Chime credit cards are designed as purchase-only cards. You cannot use them to withdraw cash from an ATM, and you cannot get cash back at a store checkout. This is different from debit cards, which typically allow both ATM withdrawals and cash-back transactions.
The reason Chime structures credit cards this way is to keep the product simple and focused on building credit through purchases. Cash advances on credit cards usually come with high fees and interest rates that start immediately, so Chime chose not to offer this feature at all.
If you need cash and have a Chime credit card, you will need to use a different payment method — either a Chime debit card (if you have one) or another card that offers cash advances or cash-back options.
Key Takeaways
- Chime credit cards cannot be used to withdraw cash at ATMs or to get cash back at store registers.
- This limitation is by design; Chime credit cards are meant for purchases only, not cash access.
- If you have a Chime debit card linked to the same account, you can withdraw cash using that card instead.
- Cash advances on traditional credit cards come with fees and immediate interest charges, which is why many newer card issuers skip this feature entirely.
How Chime credit cards differ from debit cards on cash access
Chime offers both a debit card and a credit card, and they work very differently for cash. Your Chime debit card connects directly to your checking account and lets you withdraw cash at ATMs, get cash back at checkout, and make purchases. Your Chime credit card is a separate product that only handles purchases.
This separation is intentional. Debit cards are meant to give you access to money you already have. Credit cards are meant to let you borrow money for purchases and build a credit history by paying it back. Chime keeps these two purposes separate by making the credit card purchase-only.
If you signed up for Chime primarily to get a credit card, you may not have a debit card. In that case, you would need to use a different method to access cash — either a debit card from another bank or a credit card from another issuer that offers cash advances.
What happens if you try to use a Chime credit card at an ATM
If you insert your Chime credit card into an ATM and try to withdraw cash, the transaction will be declined. The ATM will not allow the withdrawal because Chime credit cards are not set up to process cash advance requests.
You will not be charged a fee for the declined transaction, but you also will not get any cash. The ATM will return your card and display a message indicating the transaction was not completed. This is the same outcome you would get if you tried to use any purchase-only card at an ATM.
Alternatives if you need cash and only have a Chime credit card
If you need cash and your only Chime card is a credit card, you have several options. The simplest is to use a debit card from another bank if you have one. You can withdraw cash from that card's ATM network or ask for cash back at a store.
Another option is to transfer money from your Chime credit card account to a bank account you control, then withdraw cash from that account. However, this is not a direct cash advance — you would be moving credit to a bank account first, which may take a few business days and could involve fees depending on how you do it.
If you need cash regularly, consider opening a Chime checking account alongside your credit card. This gives you access to a debit card that can withdraw cash at any ATM in the Chime network, plus many out-of-network ATMs depending on your account type.
Why credit card issuers limit cash access
Cash advances on credit cards have always been expensive. When you take a cash advance, you typically pay an upfront fee (often 3 to 5 percent of the amount) plus interest that starts accruing immediately — there is no grace period like there is for purchases. Because of these costs, many newer credit card issuers, including Chime, have decided not to offer cash advances at all.
By removing cash advance as an option, Chime simplifies the card and removes a feature that would be costly for cardholders to use. This also reduces fraud risk, since cash advances cannot be disputed the way purchases can be.
If you need a credit card that offers cash advances, you would need to look at traditional credit cards from banks or credit unions. However, you should understand the fees and interest rates before using that feature, since it is one of the most expensive ways to borrow money on a credit card.
How to check your Chime credit card features in the app
You can see exactly what your Chime credit card can and cannot do by opening the Chime mobile app and looking at your card details. The app will show your card type, credit limit, current balance, and available features.
If you are unsure whether a specific transaction is possible with your card, the app is the fastest way to check. You can also contact Chime customer support through the app if you have questions about your card's capabilities.
Knowing what your card can do before you need it prevents surprises at the ATM or checkout. Chime credit cards are straightforward — they are for purchases only — but it is worth confirming this in your own account so you know what to expect.
Frequently Asked Questions
Can I get cash back at a store if I pay with my Chime credit card?
No. Chime credit cards do not support cash-back transactions at checkout. You can only use the card to pay for purchases. If you need cash, you would need to use a debit card or another payment method.
Do I get charged a fee if my Chime credit card is declined at an ATM?
No. If you try to withdraw cash and the transaction is declined, Chime does not charge you a fee. The ATM will simply return your card and show a decline message. However, some ATM operators may charge their own fee for a declined transaction — check with your ATM provider if you are unsure.
If I have both a Chime debit card and credit card, can I withdraw cash using the credit card?
No. Even if you have both cards, the credit card cannot be used for cash withdrawals. Only your Chime debit card can access cash at ATMs or through cash-back at checkout. The two cards serve different purposes.
What is the difference between a cash advance and a regular purchase on a credit card?
A cash advance is when you borrow cash directly from your credit card at an ATM or bank. It comes with an upfront fee and interest that starts right away. A regular purchase is when you use your card to buy something, and you get a grace period before interest charges begin. Chime credit cards only support purchases.
Can I transfer my Chime credit card balance to get cash?
A balance transfer moves debt from one credit card to another, not cash from a credit card to your pocket. This is different from a cash advance and would not give you physical cash. If you need cash, you would need to use a debit card or another method.