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Your ultimate guide to Chase Offers

Sept. 23, 2021
8 min read
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Editor’s note: This post has been updated with new information.


At The Points Guy, we're all about maximizing our credit card strategy and getting as much value out of each swipe as possible. One of the more underutilized ways you can do this is through Chase Offers.

So, today we'll walk through the basics of the program and how you can use Chase Offers on your eligible Chase credit cards to earn additional rewards or discounts on everyday purchases.

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What is Chase Offers?

Chase Offers is a program that works similarly to Amex Offers. Eligible cardholders are given the ability to add offers to their online accounts on Chase-issued debit and credit cards. These offers are targeted to each specific account and card. For example, my Chase Offers will be different from yours. This also means the Chase Offers you'll be targeted for through your Chase Freedom Unlimited may be different than what you'd be offered through your Chase Sapphire Preferred Card at any given time.

Which credit cards provide access to Chase Offers?

All Chase-issued consumer and business, credit and debit cards are generally eligible for Chase Offers as long as the primary cardholder has a U.S. address listed as the primary residence or place of business. To see if Chase Offers is available for your card, check your Chase Mobile app or log-in at Chase.com. Note that only the primary cardholder can see and add offers.

How to find Chase Offers

To view your available offers, check online at Chase.com on your account dashboard or by signing in to the Chase mobile app. You'll also get regular emails with offers tailored to your account, which can be a good reminder to check your offers.

The offers available come from a wide range of merchants and include their own terms and conditions. You can see an example of some of the current offers available on my Chase Sapphire Preferred:

(Screenshot courtesy of Chase)

What kinds of deals do Chase Offers have?

At the time of writing, all of my cards have a Chase Offer for 10% back on Shake Shack purchases. This offer expires Oct. 5, 2021, and is valid one time only. As usual, payment must be made directly with the merchant rather than through a third-party delivery service.

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(Screenshot courtesy of Chase)

On my Chase Sapphire Preferred — which I use pretty frequently — I have additional offers. One of these is for 10% back on a Hyatt purchase of $100 or more, with a maximum of $25 back. The image on the offer notes several exclusions, including the fact that the stay must be completed by Oct. 31, 2021, and doesn't include international properties.

(Screenshot courtesy of Chase)

How to redeem Chase Offers

While you don't have to enroll your card to start using the Chase Offers program, you do have 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 that is of interest to you. Then, use your card at the specific merchant and you should see a statement credit applied to your account within seven to 14 business days of your purchase.

Adding Chase Offers on the Chase website

To view your Chase Offers on Chase's website, log in to your account and then scroll down in the right-hand panel. You should see a section titled "Chase Offers" that previews a few of your offers.

(Screenshot courtesy of Chase)

You can click on "See all offers" to review all of the available offers. If you have multiple eligible Chase cards, you'll see a "Choose your account" drop-down near the top of the screen. Note that if you have multiple sign-ins with Chase, such as one for your personal cards and one for business credit cards, you will only see cards associated with the account for which you're currently signed in.

(Screenshot courtesy of Chase)

Click on any of the offers to add them to your card. Then, use your card at the specific merchant and the statement credit should post to your account in seven to 14 business days.

Adding Chase Offers through the Chase mobile app

To view your Chase Offers on the Chase mobile app, log in to your account and then scroll to the bottom of the main account dashboard. You should see a section titled "Chase Offers" that shows a few of your current offers.

(Screenshot courtesy of Chase)

You can click on "See all offers" to see the rest of your offers. If you have multiple eligible Chase cards, you'll see a "Choose your account" drop-down near the top of the screen.

(Screenshot courtesy of Chase)

Click on any of the offers to add them to your card, use your card at the participating merchant and wait for your statement credit to post.

What to 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 Chase Freedom Flex, you must use that card to redeem that offer successfully.

Be sure to read the terms and conditions for each offer carefully. You only have a certain period of time to use each offer and many come with maximum earning abilities. As long as you make your purchase by the expiration date, you should receive the credit even if the transaction posts after the expiration date.

(Photo by Content Pixie/Unsplash)

Chase offers are rewarded in the form of a statement credit, even if you have a card that earns Ultimate Rewards points on regular spending. This is an area where Chase differs from Amex. Some Amex Offers consist of statement credits, while others offer bonus Membership Rewards points for purchases.

One of the common threads among 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 can't use third-party providers to make purchases. Finally, Chase Offers is currently only available in the U.S.

How to maximize Chase Offers

You might as well add any offers you think could be useful. (Photo by RgStudio/Getty Images)

Since new offers are constantly added, it's a good idea to go through your Chase offers at least biweekly 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 which offers you add. If there's even a tiny possibility that you'll use an offer, then you might as well go ahead and add it to your card. If you use it, great. If not, it's not a problem.

Note that only the primary cardholder can see and add offers, but any cardholder can redeem them once they're added.

Chase Offers are a great way to save money on things you know you're going to buy anyway. But, just like any sale or coupon, saving 10% on a purchase you otherwise wouldn't have made doesn't equate to saving money. And of course, don't forget that Chase Offers are stackable with online shopping portals and bonus categories. You can use a shopping portal aggregator to determine which points and miles portal offers the best return on a certain purchase and then combine it with a Chase Offer to maximize.

Related: Earn even more rewards by adding this one small step to your online shopping routine

Bottom line

The Chase Offers program is Chase's version of a similar benefit offered by American Express. However, it's not quite up to par with Amex Offers since it's limited to statement credits and typically has fewer offers available. However, keep in mind that the Chase Offers program is still comparatively new, so it's worth checking your offers periodically to see what might be available on your cards.

Additional reporting by Stella Shon and Madison Blancaflor.

Featured image by Getty Images/Tetra images RF
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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See all best card offers

TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more