Chime Spot Me is a popular option that allows you to overdraw your account or spot yourself money up to $200. If you use Chime Spot Me and are looking for ways how to use Chime Spot Me without card, you are on the right post.
Chime Spot Me is actually designed to be used only for transactions on your Chime Debit Card. You can either use it for purchases offline or online. You can even withdraw cash at ATM or by performing a cash back transaction at a retail store, using Chime Spot Me.
But if you don’t have the Chime Card on you, you can still explore a few ways to be able to use Chime Spot Me.
The important point to note is that transaction still has to be on the Chime Debit Card to be able to use the Spot Me facility.
It could also be a case where you have applied for a new Chime Card and waiting to receive it in the mail or you don’t want to bother carrying your card with you.
So what are the ways in which you can use Chime Spot Me without card
How to Use Chime Spot Me without Card
- Add the Chime Card to an payment wallet like Apple Pay or Google Pay to use it
- Use payment apps like Venmo
- Withdraw cash from Chime Spot Me
Add the Chime Card to a wallet like Apple Pay or Google Pay
You can add your Chime debit card to a wallet like Apple Pay or Google Pay, that is the most convenient option for you to use Chime Spot Me.
Now, even if you have not received the Chime Card yet, you have the option to add the Chime virtual card which is available inside the mobile app, to Apple Pay or Google Pay wallet.
This way you can use Spot Me at any physical store or gas station which accepts Apple Pay or Google Pay. Chime Spot Me should still work as long as you have selected the Chime debit card as a payment method to perform the transaction.
If you shop at Walmart, you can also consider adding the card to Walmart app (As Walmart does not take Apple Pay)
Use Payment Apps like Venmo
If you have added your Chime debit card to Venmo , you can also try making payments at stores with Venmo, using Chime Spot Me funds.
Do note that Chime Spot Me will not work for any peer to peer transfers with Venmo or Cash App, as Chime Spot Me rules specifically does not allow it to be used for such transfers.
Do note to add your Chime card to Venmo as a payment method and not the bank details, to try this method.
However, if you are making a purchase with Venmo using the Chime Debit Card as a payment method, it may work similar to Apple Pay. This is not a surefire way though.
Withdraw Cash from Chime Spot Me
Another way to use Chime Spot Me funds without card is to perform a cash back transaction at any of the retail stores, using Apple Pay with Chime card and withdraw the Chime Spot Me funds in cash.
You can withdraw cash from Chime Spot Me at an ATM (you would need the card to do this). Alternatively, you can perform a self-check out transaction at a retail store like Walmart, Walgreens etc. using either card itself or by adding the card to Apple Pay or Walmart Pay wallet
Then you can use the cash to make payments for transactions at places where you cannot use the chime debit card or a payment wallet.
Does Chime Spot Me cover ACH Payments?
No, Chime Spot Me does not work for peer to peer transfers using ACH or any of the money transfer apps like Cash App or Venmo or even Chime Pay Friends feature.
So you can use Chime Spot Me even without your card, but not without having the transaction billed on your card. This is unless you choose the option to withdraw funds in the form of cash and then use it as per your needs.