A popular chip antenna is designed with certain metal patterns on a small bulk made of ceramic or similar material. For the purpose of designing this kind of chip antenna for small wireless-mobile terminals, this article proposes a method in which a genetic algorithm (GA) is adopted to optimize the realized antennas' matching conditions. A model of a meander-line-based chip antenna is established to fit the GA; meanwhile, an FDTD-based simulation package is employed to calculate the input impedances and radiation patterns of tested cases during the GA process. The computation package used in this work is proved to be capable of predicting the performance of the fabricated antennas; on the other hand, the GA shows that it can lead to a convergent result impedance-matching improvement. It is well verified that this type of antenna may have omnidirectional radiation patterns on the principal plane, similar to those of the usual monopole antennas. A capacitive feeding technique for the obvious improvement of the prototype antenna's impedance is also presented. © 2004 Wiley Periodicals, Inc. Int J RF and Microwave CAE 15: 116 -127, 2005.