Your ultimate guide to Chase Offers
Editor's Note
At The Points Guy, we’re all about maximizing our credit card strategy and getting as much value from each swipe as possible. And one of the more underutilized ways you can do this is through Chase Offers.
Let's review the program's basics and how you can use Chase Offers on your eligible Chase credit cards to earn additional rewards or discounts on everyday purchases.
What are Chase Offers?
Chase Offers is a program that works similarly to Amex Offers. Eligible cardholders can 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 different Chase cards will also be different.
Which credit cards provide access to Chase Offers?
All Chase-issued consumer and business, credit and debit cards are generally eligible for Chase Offers if 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's website. 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 as seen above.
What kinds of deals do Chase Offers have?
Currently, I have offers on all my Chase cards for an impressive range of brands, including offers for food, clothing, entertainment, travel and even security systems.
Offerings change daily and typically feature various types of goods and services. Whether you're looking for bedding, stopping at a fast food joint for a quick bite or shopping for apparel, Chase Offers likely has a solid cash back offer on a purchase you were already planning to make.
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 interests you. Then, use your card at the specific merchant and you should see a statement credit applied to your account within 7-14 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.
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.
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 7-14 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” showing some of your current offers.
You can click on “See all offers” to see the rest of your offers. You’ll see a “Choose your account” drop-down near the top of the screen if you have multiple eligible Chase cards.
Click on any 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® (see rates and fees), 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 amount of time to use each offer; 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.
Chase offers are rewarded as 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
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, you might as well add it to your card. If you use it, great; if not, it’s not a problem.
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 will 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. It’s worth checking your offers periodically to see what might be available on your cards.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended 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.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.