Brigit
$500 max · $0-$14.99/mo
⭐ 4.2/5
Chime SpotMe
$200 max · FREE
⭐ 4.3/5
🏆 Quick Verdict
Choose Brigit for: Higher limits ($500), Credit Builder, works with any bank
Choose Chime SpotMe for: 100% free, instant coverage, integrated banking
⚠️ Key Difference
Brigit is a cash advance app that works with your existing bank account.
Chime SpotMe is overdraft coverage that requires a Chime bank account. It's not a separate app—it's a feature of Chime banking.
Head-to-Head Comparison
| Feature | Brigit | Chime SpotMe | Winner |
|---|---|---|---|
| Max Amount | $500 | $200 | Brigit |
| Cost | $0-$14.99/mo | $0 (free) | Chime |
| Express Fee | Free (paid plans) | N/A (instant) | Chime |
| Works With | Any bank | Chime only | Brigit |
| Credit Builder | Yes (Premium) | Separate (Credit Builder Card) | Tie |
| How It Works | Request advance → deposit | Automatic overdraft coverage | Chime (simpler) |
| Requirement | Bank + direct deposit | Chime account + $200/mo deposit | Tie |
How They Work Differently
Brigit: Cash Advance Model
- Connect your existing bank account
- Request an advance when you need it
- Money deposited to your bank
- Auto-repay on payday
Chime SpotMe: Overdraft Model
- Open a Chime checking account
- Set up direct deposit ($200+/month)
- Use your Chime debit card normally
- SpotMe covers overdrafts up to $200 automatically
- Repaid when next deposit arrives
Who Should Choose Which?
Choose Brigit If...
- You need more than $200
- You want to keep your current bank
- You want Credit Builder included
- You want cash advances (not just overdraft)
- You're willing to pay for higher limits
Choose Chime SpotMe If...
- You want 100% free coverage
- $200 is enough for your needs
- You're open to switching banks
- You want automatic, instant coverage
- You prefer an all-in-one banking app
Can You Use Both?
Yes! Many users have both. They use Chime as their bank with SpotMe for small overdrafts, and Brigit for larger cash advances when needed. This combination gives you:
- Free $200 overdraft protection (Chime)
- Up to $500 additional advances (Brigit)
- Credit building options (both offer this)
Final Verdict
If free is your priority and $200 is enough → Chime SpotMe
If you need higher amounts or want to keep your bank → Brigit
Both are legitimate, well-reviewed options. Consider using both for maximum coverage.