Chime Card vs Kikoff
The first number to check is net annual cost: €0 for Chime Card versus €60 for Kikoff. On cashback Chime Card wins (up to 5%, but the full rate requires Nessuno). In our editorial rating Chime Card leads (4.5 vs 4.0). In short: Chime Card if your usage matches its strength, Kikoff otherwise — the numbers above beat any slogan.
| Chime Card | Kikoff | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.5 | ★ 4.0 |
| Estimated net annual cost | €0 | €60 |
| Network | Visa | Visa (Premium/Ultimate) |
| Card type | Credit card | Credit card |
| APR | 0% | 0% |
| Issuance fee | Free | Free |
| Annual fee | Free | €60/year |
| Free ATM limit | 47.000+ ATM gratuiti (Allpoint) | Not disclosed |
| ATM withdrawal | Free | Free |
| FX markup | 0% | 0% |
| Cashback | 5% in USD · Nessuno | Not disclosed |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 5/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC / OCC | FDIC |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | 2021: a wave of sudden user-account closures with thousands of complaints (ProPublica investigation); Chime later revised its procedures. · May 2024: a ~$4.55M CFPB settlement (customer redress plus a penalty) for delays in refunding balances after account closure. | — |
| Regions | US | US |
| Licences & safety | Partner bank charter | Partner bank charter |
Frequently asked questions
Chime Card vs Kikoff: which is better?
The first number to check is net annual cost: €0 for Chime Card versus €60 for Kikoff. On cashback Chime Card wins (up to 5%, but the full rate requires Nessuno). In our editorial rating Chime Card leads (4.5 vs 4.0). In short: Chime Card if your usage matches its strength, Kikoff otherwise — the numbers above beat any slogan.
Which is cheaper, Chime Card or Kikoff?
On the standard spending profile Chime Card has the lowest net annual cost: €0 versus €60 for Kikoff.
Which offers more cashback, Chime Card or Kikoff?
Chime Card has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Chime Card custodial or self-custody?
Chime Card is custodial: funds are held by the platform, while Kikoff is custodial.