Chime is better for users seeking a no-fee debit card with early direct deposit and a large fee-free ATM network, while Chase Sapphire Debit is more suitable for those who can maintain a high balance to waive the monthly fee and desire worldwide ATM fee waivers and premium banking perks.
| Attribute | Chase Sapphire Debit Card | Chime Debit Card |
|---|---|---|
| Annual Fee | Associated with Chase Sapphire Banking account, which has a monthly service fee of $25 (waived if you maintain an average beginning day balance of $75,000 or more). | No annual fee |
| Rewards Program | Does not offer a direct rewards program like a credit card; Sapphire Banking account provides access to premium perks and benefits. | No rewards program |
| Foreign Transaction Fees | Waived with Chase Sapphire Banking; other Chase debit cards may have a 3% fee. | No foreign transaction fees |
| Minimum Balance Requirement | $75,000 combined balance across eligible Chase accounts to avoid the $25 monthly service fee. | No minimum balance requirement |
| ATM Access and Fees | Access to over 15,000 ATMs nationwide; no ATM fees worldwide, including refunds of ATM surcharges from non-Chase ATMs. | Over 50,000 fee-free ATMs nationwide through MoneyPass, Allpoint, and Visa Plus Alliance networks. $2.50 fee for out-of-network ATM withdrawals from Chime, plus any fees charged by the ATM owner. $500 daily ATM withdrawal limit. |
| Overdraft Fees/Protection | No overdraft fees for up to four business days per year (Chase Sapphire Checking and Chase Private Client Checking accounts). Chase Overdraft Assist may waive the fee if overdrawn by $50 or less. | No overdraft fees. SpotMe overdraft protection available for eligible members, allowing overdrafts up to a certain limit (typically starting at $20, may increase to $200) on debit card purchases and cash withdrawals without fees. Requires $200 or more in qualifying direct deposits each month. SpotMe won't cover non-card transactions. |
| Purchase Limits | Daily spending limits range from $300 to $7,500, depending on the account type and your history with Chase; a basic card may have a $3,000 daily limit. | $2,500 per day |
| Mobile App Features | Chase provides a mobile app for managing accounts and tracking transactions. | Manage card, track transactions, instantly lock card if lost or stolen, ATM finder, fingerprint and Face ID authentication |
| FDIC Insurance | Deposits in Chase accounts are FDIC-insured. | Deposits are FDIC insured up to $250,000 through Chime's partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC |
| Security Features | Fraud monitoring, zero liability for unauthorized charges, ability to lock your debit card, and alerts to monitor account activity. | Encryption, real-time transaction alerts, Visa Zero Liability policy, two-factor authentication |
| Availability of Early Direct Deposit | Not available. | Receive paychecks up to two days early with direct deposit |
| Integration with Payment Apps | Integrates with Zelle for sending and receiving money. | Integrates with Venmo and PayPal |