How to get black metal chime card
Chime has completely reimagined what a credit-building card looks like — and people across the United States are paying attention. Gone is the plain plastic card that blends into every other card in your wallet. In its place, Chime now offers something that actually turns heads: a sleek black card, a rich evergreen option, and for those who want the absolute premium experience, a titanium metal card that costs just $50 at signup.
If you have been wondering how to get a black metal Chime card, you are in the right place. This complete guide covers everything — how Chime cards work, what color and material options are available, the exact steps to sign up and choose your card, the titanium upgrade option, what happens if you are an existing Chime member, and what to do if you want to take your Chime card to the next level with a fully custom metal design.
Quick Answer: How Do I Get a Black Metal Chime Card?
To get a black Chime card, download the Chime app and sign up for a new Chime account. During enrollment, select Chime Card and choose the Classic Black color at no extra cost. If you want a premium metal card, select the Titanium upgrade for $50 plus applicable taxes during signup. The physical card arrives within 7 to 10 business days, and you can use your virtual Chime Card immediately while you wait.
What Is the Chime Card?
Before diving into how to get yours, it helps to understand exactly what the Chime Card is — because it is a more sophisticated product than it might appear at first glance.
The Chime Card is a secured Visa credit card issued by The Bancorp Bank, N.A. or Stride Bank, N.A., offered through Chime Financial, Inc. — one of America’s most popular fintech companies. Unlike traditional secured credit cards that require a separate security deposit held in a separate account, the Chime Card links directly to your Chime Checking Account. Money you deposit into your checking account is automatically transferred to your Chime Secured Deposit Account (SDA), which becomes your spending limit.
Here is what makes the Chime Card genuinely impressive:
- No annual fee — Zero. Nothing. Not $95, not $550, not even $1.
- No interest charges — The card has 0% interest because you can only spend what you have deposited
- No credit check required — Anyone 18 or older with a valid US address and Social Security Number can apply
- Credit building — Reports to all three major credit bureaus: TransUnion, Experian, and Equifax
- Cash back rewards — Earn 1.5% cash back on rotating categories with qualifying direct deposit; up to 5% cash back as a Chime Prime member
- 47,000+ fee-free ATMs — Through the Allpoint and Visa Plus Alliance networks
- Instant virtual card — Start using your card immediately through Apple Pay or Google Pay while the physical card ships
For people who want to build or rebuild their credit history without the risk of high interest charges, annual fees, or overspending, the Chime Card is one of the most thoughtfully designed products in the US market.
Chime Card Colors and Materials: What Are Your Options?
This is where things get interesting — and where the “black metal Chime card” question gets its full answer.
When you sign up for Chime Card, you are given a choice of card designs during the enrollment process. Here is exactly what is available:
Option 1: Classic Black Chime Card (Free)
The Classic Black Chime Card is a sleek, minimalist black card available at no additional cost. It has a clean, premium-looking design that stands out from the typical plastic bank cards most people carry. If you want a black Chime card, this is the free standard option you select during signup.
The Classic Black is a plastic card — not metal. But its dark finish gives it a distinctly premium appearance that many Chime members prefer over the typical white or silver cards issued by most banks and credit card companies.
Option 2: Evergreen Chime Card (Free)
The Evergreen is the second free color option — a rich green finish that is equally premium-looking. Like the black option, it is available at no extra cost during signup.
Option 3: Titanium Metal Chime Card ($50 + Tax)
This is the premium option — and the one that answers the “black metal Chime card” question most directly.
The Chime Titanium Metal Card is a premium metal card upgrade available during enrollment for $50 plus applicable taxes. It is the only metal card option Chime currently offers, and it has a titanium finish that delivers that satisfying weight and premium feel that metal card enthusiasts love.
Key details about the Chime Titanium Metal Card:
- Material: Titanium finish
- Cost: $50 + applicable state taxes, paid from your initial deposit
- When to order: During enrollment only — it is not currently available to all existing members as an upgrade
- Minimum deposit: You must add an initial deposit of at least $60 to your account; the $50 card fee is automatically deducted from this deposit
- Availability: Currently available to select new members during sign up; Chime is working to expand access
- Functionality: Works identically to the standard Chime Card at all ATMs and payment terminals
The Titanium card has the same features and benefits as the standard black or evergreen card — the only difference is the premium metal construction and feel.
Step-by-Step: How to Get a Black or Metal Chime Card
Here is the complete step-by-step process to get your Chime Card — whether you want the free black option or the $50 titanium metal upgrade.
Step 1: Download the Chime App
The Chime Card signup process is entirely handled through the Chime mobile app. Download it from:
- Apple App Store — Search “Chime” and look for the official Chime Financial app
- Google Play Store — Search “Chime” for the Android version
Chime is a fintech company, not a traditional bank, so the entire signup and card management experience is app-based.
Step 2: Start the Enrollment Process
Open the Chime app and tap Get Started or Sign Up. You will be prompted to create an account. Have the following information ready:
- Your full legal name
- Your email address
- Your date of birth
- Your Social Security Number (SSN)
- Your valid US residential address
- Your phone number
Important: There is no credit check during the Chime Card application. Chime verifies your identity using the information above, but your credit score is not pulled and is not a factor in your approval. This is one of the most significant advantages of the Chime Card for people working on building or rebuilding their credit.
Step 3: Select Chime Card During Enrollment
During the enrollment process, you will be prompted to select your product. Choose Chime Card — this is the secured Visa credit card option that comes with the card color selection.
Step 4: Choose Your Card Color
This is the key step. You will see the card color options presented on screen:
- Classic Black — Select this for the free black card
- Evergreen — Select this for the free green card
- Titanium (Metal) — Select this for the $50 premium metal card upgrade
If you want a black metal card — the closest Chime offers is the Titanium Metal Card, which has a premium metal construction. The standard Classic Black card is not metal — it is plastic with a black finish.
If your primary goal is a black-colored card and cost is a consideration, the Classic Black plastic card is free. If your primary goal is a metal card with a premium feel, the Titanium option at $50 is the right choice.
Step 5: Fund Your Account
To complete your enrollment and activate your Chime Card:
- If you chose the standard black or evergreen card: Add any initial deposit to fund your account and set your spending limit
- If you chose the Titanium metal card: Add an initial deposit of at least $60. The $50 card fee plus applicable taxes will be automatically deducted from this deposit.
You can fund your account through:
- Debit card transfer (no fees)
- Bank transfer from another account
- Cash deposit at over 100,000 retail locations (find locations in the Chime app)
- PayPal or Venmo transfer
- Apple Pay
Step 6: Start Using Your Virtual Card Immediately
As soon as your account is funded, you can start using your virtual Chime Card right away — before your physical card arrives. Add it to:
- Apple Wallet — For Apple Pay contactless and online payments
- Google Wallet — For Google Pay payments on Android
This means you can begin building your credit history and earning cash back from day one, while your physical card is in production.
Step 7: Wait for Your Physical Card
Your physical Chime Card will arrive by mail within 7 to 10 business days. It will be delivered to the residential address you provided during enrollment.
Step 8: Activate Your Card
When your card arrives, activate it through one of three methods:
- Chime app — Tap the card activation option in the app
- QR code — Scan the QR code on the delivery envelope
- Phone — Call Chime at 1-844-244-6363
Once activated, your physical card is ready for use at ATMs, retail stores, restaurants, and everywhere Visa credit cards are accepted.
How to Get the Metal Chime Card if You Are an Existing Member
If you already have a Chime account — specifically the older Secured Chime Credit Builder Visa Credit Card — and you want to upgrade to the new Chime Card with the titanium metal option, here is the situation:
Chime members can switch from the Credit Builder card to the new Chime Card directly within the Chime app. However, the metal titanium upgrade is currently only available to select new members during the initial enrollment process.
If you are an existing member:
- Open the Chime app
- Look for the option to switch from Credit Builder to Chime Card
- Check whether the Titanium upgrade is available to you during the switch process
- If the titanium option is not currently available, Chime recommends setting up notifications to be alerted when the metal card becomes available to more members
Chime has stated they are actively working on expanding access to the metal card for more existing members — so if it is not available to you today, it may become available soon.
What Do You Get With a Chime Card? Full Benefits Breakdown
Understanding the full value of the Chime Card helps you decide whether the standard black card or the titanium upgrade is the right choice for you.
Credit Building
The Chime Card reports your payment history to all three major credit bureaus — TransUnion, Experian, and Equifax. On-time payments build a positive credit history over time. According to an Experian study of earlier Chime credit-building card holders, the top 10% of members who made their first purchase between April and August 2024 saw their FICO Score 8 increase by an average of 71 points after approximately 8 months.
This makes the Chime Card one of the most effective and accessible credit-building tools available in the US market — particularly because it requires no credit check and has no annual fee or interest.
Cash Back Rewards
- Standard members: 1.5% cash back on eligible purchases in rotating categories with qualifying direct deposit
- Chime Plus members: 2% cash back on eligible purchases with qualifying direct deposit
- Chime Prime members: 5% cash back on up to $1,500 in eligible purchases per month with qualifying direct deposit
SpotMe Overdraft Protection
Qualifying Chime members can access SpotMe — a fee-free overdraft feature on the Chime Card. Eligible members start with $20 in SpotMe coverage, which can increase up to $200 or more based on account history, direct deposit frequency and amount, and other factors.
ATM Access
Over 47,000 fee-free ATMs through the Allpoint and Visa Plus Alliance networks across the United States. Find nearby ATMs in the Chime app.
Additional Chime Plus Benefits
When you set up qualifying direct deposit and become a Chime Plus member:
- Up to 2.75% APY on your high-yield savings account
- Access to MyPay — get up to $500 of your earned wages early
- Fee-free banking with expanded benefits
- Enhanced SpotMe overdraft coverage
Chime Prime Benefits
For the highest tier:
- Up to 5% cash back on rotating categories
- Up to 3.75% APY on savings
- Maximum SpotMe coverage
- Full suite of premium Chime benefits
Chime Black Card vs Chime Titanium Metal Card: Which Should You Choose?
| Feature | Classic Black Card | Titanium Metal Card |
|---|---|---|
| Cost | Free | $50 + tax (one-time) |
| Material | Plastic with black finish | Premium metal titanium finish |
| Weight | Standard card weight | Satisfyingly heavier |
| Feel | Standard premium look | Luxury premium feel |
| Credit building | Identical | Identical |
| Cash back | Identical | Identical |
| ATM access | Identical | Identical |
| Benefits | Identical | Identical |
| Best for | Budget-conscious members | Those who want premium metal feel |
The honest answer: the financial benefits are completely identical between the two options. The $50 titanium upgrade buys you the premium metal card experience — the weight, the feel, the status signal — but it does not earn you more cash back, a higher credit limit, or any additional banking features.
If building credit is your primary goal and budget is a consideration, the free Classic Black card does everything the titanium card does financially. If you love the feel of a premium metal card and $50 is not a barrier, the titanium upgrade delivers a genuinely better physical card experience.
Is the Metal Chime Card Worth $50?
This is the practical question most people are asking — and the honest answer depends on your priorities.
The Case For the $50 Titanium Upgrade
Premium daily experience — You use your credit card multiple times every day. The feel of a metal card in your hand and the impression it makes is a real, if intangible, benefit that you experience constantly.
Durability — A titanium metal card lasts significantly longer than a plastic card. While the Chime Card comes with replacement options, the metal card is more resistant to the bending, scratching, and wear that affects plastic cards.
Status and presentation — For anyone who values first impressions — professionals, entrepreneurs, people building a personal brand — a metal card presents differently than a plastic one. This matters in social and professional contexts.
One-time cost, no recurring fee — Unlike premium bank metal cards that charge $300–$695 per year, the Chime titanium upgrade is a one-time $50 payment. Over two or three years of card use, $50 is a very reasonable cost for the premium metal experience.
The Case Against
Same financial benefits — The titanium card does not earn more rewards, build credit faster, or provide any additional banking features. If the premium feel is not important to you, the $50 is not adding financial value.
Budget priority — If you are using Chime specifically because you are working on improving your financial situation, putting $50 toward a card upgrade may not be the highest priority use of that money.
Availability limitation — The metal card is currently only available to select new members during signup. If you are an existing member, you may not have access to this option right now.
What Happens After You Get Your Chime Card?
Once your physical card arrives and is activated, here is how to get the most out of it:
Set Up Direct Deposit
Setting up qualifying direct deposit unlocks Chime Plus status, which gives you:
- 1.5% to 5% cash back depending on your tier
- Higher APY on savings
- Access to SpotMe overdraft protection
- MyPay early wage access
To set up direct deposit, find your Chime account and routing number in the app and provide them to your employer or income source.
Enable Automatic Payment
The Chime Card’s Safer Credit Building feature automatically pays your balance from your Secured Deposit Account each month. Enabling this ensures you never miss a payment — which is critical for building positive credit history.
Monitor Your Credit Score
Chime provides tools to track your credit score progress over time. Monitoring your score regularly helps you understand the impact of your payment history and stay motivated on your credit-building journey.
Use the Virtual Card for Online Shopping
Your virtual Chime Card details are available immediately in the app. Use them for online shopping, subscription services, and anywhere you would enter card details manually — without waiting for your physical card.
Can I Get a Fully Custom Black Metal Chime Card?
Here is something many Chime users do not know: you are not limited to Chime’s standard black plastic card or their $50 titanium option when it comes to having a custom metal card.
Royal Metal Card offers custom metal card conversion services that can transform your existing Chime Visa card into a fully personalized premium metal card — with any design you want.
The process works like this:
- Your existing Chime Visa card’s EMV chip is carefully transferred into a new premium metal card body
- The metal card can feature any design — solid black, custom artwork, business branding, anime designs, minimalist patterns, or anything you can imagine
- Your Chime account, card number, PIN, and all functionality remain exactly the same
- The result is a fully working custom metal Chime card that looks exactly the way you want it to
This is the option for Chime members who want:
- A fully black metal card — not just a black plastic card and not just Chime’s standard titanium design
- Custom artwork on their metal card — their logo, a design they love, or any personalized imagery
- Premium materials — stainless steel or titanium options
- Permanent laser engraving — designs that will never fade or peel
- Complete creative control over how their card looks and feels
The custom conversion option is available to all Chime Visa cardholders — both the standard black card and the titanium metal card holders who want a different or more personalized design.
Visit royalmetalcard.com to explore custom metal card designs for your Chime card.
Frequently Asked Questions (FAQ)
How do I get a black metal Chime card? During Chime Card enrollment, select the Classic Black color for a free black plastic card, or select the Titanium upgrade for $50 to get a premium metal card. The physical card arrives within 7 to 10 business days.
Is the black Chime card made of metal? The standard Classic Black Chime Card is plastic with a black finish — not metal. The metal option is the Titanium upgrade, available for $50 plus tax during enrollment.
How much does the Chime metal card cost? The Chime Titanium Metal Card costs $50 plus applicable state taxes, paid as a one-time fee during enrollment. There is no annual fee for the card itself.
Can existing Chime members get the metal card? The metal card is currently available to select new members during enrollment. Existing Chime members should check the app for availability and can set up notifications for when the metal card option expands to more members.
Does the Chime Card require a credit check? No. There is no credit check required to apply for a Chime Card. Anyone 18 or older with a valid US address and Social Security Number can apply.
How long does it take to get a Chime Card? Your physical Chime Card arrives within 7 to 10 business days after enrollment. You can use your virtual Chime Card immediately through Apple Pay or Google Pay while waiting.
What colors does the Chime Card come in? Chime Card is available in Classic Black and Evergreen at no extra cost, or as a Titanium metal card for $50 plus tax.
Does the Chime metal card have different benefits than the black card? No. The Titanium metal card and the Classic Black card have identical financial benefits — the same cash back, the same credit building features, the same ATM access, and the same banking tools. The upgrade is purely for the premium metal card experience.
Can I get a custom design on my Chime metal card? Through Chime directly — no. However, through a third-party custom metal card service like Royal Metal Card, you can convert your existing Chime Visa card into a fully custom-designed metal card with any artwork, laser engraving, or design you choose.
Does the Chime Card help build credit? Yes. The Chime Card reports payment history to all three major credit bureaus — TransUnion, Experian, and Equifax. On-time payments build positive credit history over time.
What is the minimum deposit for the Chime metal card? You must add an initial deposit of at least $60 to your account when selecting the Titanium metal card. The $50 card fee plus applicable taxes is automatically deducted from this deposit.
Can I cancel the metal card and get a refund of the $50? Chime’s policies on refunds for the metal card upgrade should be confirmed directly with Chime customer support at 1-844-244-6363 or through the Chime Help Center, as these policies may vary.
Final Thoughts: Getting Your Black Metal Chime Card
The Chime Card is one of the most genuinely useful credit-building products available in the United States right now — and the fact that it now comes in a premium metal option for just $50 makes it even more appealing for people who want both a smart financial tool and a card that looks and feels exceptional.
Here is a quick summary of your options:
Want a free black Chime card? Sign up for Chime Card during enrollment and select Classic Black. Free, instant virtual card access, physical card in 7 to 10 days.
Want a premium metal Chime card? Select the Titanium upgrade for $50 plus tax during enrollment. Same great Chime Card features — plus the weight, feel, and status of a genuine metal card.
Want a fully custom black metal Chime card with your own design? Visit Royal Metal Card at royalmetalcard.com for custom metal card conversion — any design, any finish, permanent laser engraving, starting from your existing Chime Visa card.
Whichever path you choose, the Chime Card is a smart financial decision — no annual fees, no interest, no credit check, and a genuine pathway to building the credit score that opens more financial doors for you over time.
Royal Metal Card — Premium Custom Metal Cards for Debit and Credit | royalmetalcard.com
Disclosure: Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Card is the secured Chime Visa® Credit Card. This article is for informational purposes only and does not constitute financial advice. All Chime product details are accurate and subject to change.