In The boy with the pointsWe are always looking for easy ways to save money and earn more rewards. One of the simplest, but often overlooked, tools is Chase Offers.
With just a few clicks, you can unlock targeted discounts and cash back offers on brands you already use. These range from streaming services and restaurants to travel and retail shopping. Even better, Chase offers can often be combined with your card’s regular earning rates and shopping portals, helping you get more value out of daily expense.
Here’s how the program works and how to maximize it.
What are Chase offers?
Chase Offers is a program available on eligible Chase credit and debit cards that gives cardholders access to specific offers, similar to Amex Offers. These offers typically provide cash back or a percentage as a statement credit when you make a qualifying purchase.
Like similar programs from other broadcasters, the offers are personalized. That means the offers you see may differ from those someone else receives. You can also check out different offers on your own Chase cards.
Which credit cards provide access to Chase offers?
Most consumer and business credit and debit cards issued by Chase are eligible for Chase offers if the primary cardholder has a U.S. address as their primary residence or place of work. To see if Chase Offers are available for your card, check your chase mobile app or log in chase website. Please note that only the primary cardholder can view and add offers.
Some of the most popular eligible cards include:
Each card may offer different options, so it’s worth reviewing all your accounts if you have more than one Chase card.
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Related: Best Chase Credit Cards
How to Find Chase Deals
You can find offers available in the chase website and in the chase app. To view the offers available on the website, log into your account and search for “Chase Offers” in the right panel.
Alternatively, you can click on “Benefits and Travel” in the top panel and select “Chase Offers,” as shown below.
To view your Chase offers in the Chase mobile app, log into your account and then scroll to the bottom of the main account dashboard. You should see a section titled “Chase Offers” showing some of your current offers.
The website or app option will take you to the currently available offers for you to explore.
What kind of offers do Chase offers have?
Offers change daily and usually include various types of goods and services. You may see offers for:
- Restaurants, including local restaurants and chains.
- Retail and home goods.
- Services like tax software
- Streaming services and subscriptions
- Travel and entertainment shopping.
Offers typically range from 5% to 30% back or provide a flat statement credit after meeting a spending requirement. For example, you could receive a $20 statement credit after spending $100 at a specific merchant.
Real-world savings with Chase offers
Chase Offers can be an easy way to save on purchases you’re already making, something TPG staff have seen firsthand on a variety of everyday expenses.
travel writer Raquel CraftFor example, you recently saved $50 on furniture purchases at At Home by adding a 15% cashback offer to your Flexible Freedom Pursuit just before it expired, and the editor-in-chief Linda Matthews you got $20 back in TurboTax when you filed your taxes.
Contributing editor Matt Moffitt purchased a Whoop health band (12 month membership and device) for $392 using your Sapphire Reserveand an offer from Chase covered most of the cost (not including taxes), reducing their out-of-pocket cost to $33.
While individual savings may vary, these examples highlight how quickly small, targeted offers can add up, especially on purchases you were already planning to make.
How to redeem Chase offers
While you don’t need to enroll your card to start using the Chase Offers program, you do need to add each individual offer to your credit card. Adding them is easy – all you have to do is navigate to Chase Offers, either online or through the Chase Mobile app, and click “Add to Card” on any available offer you’re interested in. Next, use your card at the specific merchant and you should see a statement credit applied to your account within 7 to 14 business days of your purchase.
Add Chase Offers to the Chase Website
Once you get to the Chase Offers home page, adding an offer to your account is very simple.
If you have multiple eligible Chase cards, you’ll see a “Choose Your Account” drop-down menu near the top of the screen. Please note that if you have multiple logins with Chase, such as one for your personal cards and one for business credit cardsYou’ll only see the cards associated with the account you’re currently signed in to.
Click on any offer to add it to your card. Then, use your card at the specific merchant and wait for the credit to post to your statement.
Add Chase Offers Through the Chase Mobile App
Once you find an offer you would like to use in the app, the process is similar to the website process.
You can click “See all offers” to see the rest of your offers. You’ll see a “Choose Your Account” drop-down menu near the top of the screen if you have multiple eligible Chase cards.
Click on any offer to add it to your card, use your card at the participating merchant, and wait for the credit to post to your statement.
What you should know about Chase offers
When you add an offer for a specific card, you must use that same card to redeem the offer. For example, if you add a Chase offer to your Flexible Freedom Pursuityou must use that card to successfully redeem that offer.
Be sure to carefully read the terms and conditions of each offer. You only have a certain amount of time to use each offer; many come with maximum income limits. As long as you make your purchase before the expiration date, you should receive the credit even if the transaction is posted after the expiration date.
Chase offers are rewarded as statement credit, even if you have a card that earn Ultimate Rewards points in regular spending. This is one area where Chase differentiates itself from Amex. Some Amex offers consist of statement credits, while others offer bonuses Membership Rewards Points for purchases.
One of the commonalities between all Chase offers is this condition: payment must be made directly with the merchant. While you can still use services like mobile wallets and PayPal with Chase Offers, you cannot use third-party vendors to make purchases.
Finally, Chase offers are only available on eligible U.S.-issued Chase credit cards linked to U.S.-based accounts. However, some offers may still be valid at international merchants, particularly global brands like hotel chains, as long as the transaction is processed by the eligible merchant and charged to your card on file.
How to Maximize Chase Offers
Since new offers are constantly being added, it’s a good idea to check your Chase offers at least every two weeks to review and add new offers. It doesn’t cost anything to add an offer and then not use it, so you can be pretty lenient with the offers you add. If there’s even a small chance you’ll use an offer, you can add it to your card as well. If you use it, great; If not, it’s not a problem.
Chase offers become significantly more valuable when you combine them with other rewards opportunities. This means combining an offer with a shopping portal and credit card bonus category to earn multiple levels of rewards on the same purchase.
For example, imagine you’re booking a $200 stay at a Hyatt property. You could:
- Click through to a shopping portal that offers 5 points per dollar spent on Hyatt reservations
- Pay with a card like Flexible Freedom Pursuit during a quarter where trips earn 5% cash back*
- Add a Chase offer to get, say, 10% back at Hyatt
In this scenario, you would earn 1,000 points through the portal, $10 cash back on your Freedom Flex, and a $20 statement credit from the Chase offer.
Instead of earning rewards from a single source, you’ve effectively tripled your earnings on the same purchase.
Only the primary cardholder can view and add offers, but any authorized user can redeem them once added.
Chase offers are best used for purchases you were already planning to make. Like any coupon or deal, saving 10% on something you didn’t need isn’t actually saving money. But when used strategically, especially in combination with shopping portals and bonus categories, they can significantly increase your overall return.
*Earn 5% cash back in rotating categories on the first $1,500 in combined purchases each quarter; Activation required.
In a nutshell
Chase Offers are one of the easiest ways to save money on purchases you already plan to make. While the discounts aren’t always huge, they require minimal effort and can add up quickly.
Periodically consulting your offers and combining them with bonus categories and shopping portalsYou can turn everyday expenses into significant savings over time.
Related: How to make the most of online shopping portals for your purchases
