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How to find your targeted Chase card offers

Oct. 09, 2020
7 min read
Coffee break and online shopping
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Chase offers numerous great credit cards. So, whether you're looking to earn cash-back rewards, airline miles, hotel points or valuable Chase Ultimate Rewards points, you may be interested in adding a new Chase credit card to your wallet.

But, it can be challenging to determine your approval odds before applying for a new card. And, Chase's 5/24 rule, along with other application restrictions, can make it to determine if you're even eligible. But, Chase targets some account holders for offers through the "Just for you" section of your account. Today, I'll describe how and why to use this tool and then discuss some recent offers seen by TPG staffers. (These offers are subject to change at anytime)

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How targeted Chase card offers can help

You can check your targeted Chase card offers using the Chase mobile app or website. (Photo by Jacobs Stock Photography Ltd./Getty Images)

As I mentioned above, Chase's 5/24 rule and other application restrictions can make it difficult to determine if you're eligible to apply for a new Chase card. And, even if you qualify, you may be wondering how to maximize your chances of approval.

Well, Chase has a "Just for you" section of its website and mobile app that displays targeted offers to current account holders. And, you may see some targeted card offers in this section.

But, there's one additional aspect to consider. Specifically, if Chase has targeted you for credit card offers under the “Just for you” section of Chase's website or mobile app, Chase may approve you even if you don’t meet all of the standard application restrictions.

However, some Chase cardholders have reported that if you apply for a “Just for you” card offer, the other offers may disappear. So, make sure you apply for the offer that you want the most. If you’re unsure which credit card makes the most sense for you, check out TPG's guide to the best rewards credit cards.

Related: How to use the CardMatch tool to get better welcome offers

How to check your targeted Chase card offers

Checking your targeted offers is quick and easy on Chase's website or mobile app. (Photo by Alexander Spatari/Getty Images)

To see your targeted Chase card offers, you'll need to use the Chase website or Chase mobile app. My offers are the same through both methods. But, some cardholders have reported seeing different offers in the app than they'd found on the website.

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So, it's worth checking your offers through both methods. Here's how to do so.

Chase website

  1. Log in to your account at
  2. Click on the three-bar menu button in the upper left-hand corner
  3. Select “Just for you” under “Explore products” in the menu that has expanded along the left side of your screen

Chase mobile app

  1. Log in to your account in the app
  2. Click on the three-bar menu button in the upper left-hand corner of your app
  3. Select "Open an account"
  4. Select "Just for you"

Related: How do companies select members for targeted bonuses?

Recently seen targeted Chase card offers

When I log in to my account and check the "Just for you" section, I don't see any card offers. Instead, I only see a few business-related offers, even though most of my Chase accounts are consumer accounts.

My "Just for you" offers (Image courtesy of Chase)

So, I asked some other TPG staffers to check their offers. Multiple other staffers reported seeing no targeted card offers, including some who only have one Chase credit card.

For example, TPG Product Manager Maddie Tarr got the Chase Sapphire Preferred Card as her first Chase credit card about seven months ago. She has been using her Sapphire Preferred frequently, yet she has no new targeted card offers.

Maddie's "Just for you" offers (Image courtesy of Chase)

Similarly, TPG Editor-at-large Zach Honig didn't have any targeted card offers. But, interestingly, he had a few offers for referring friends or buying a vehicle.

Zach's "Just for you" Chase offers (Image courtesy of Chase)

But, TPG Global News Editor Emily McNutt has targeted card offers for the Chase Freedom Unlimited, United Explorer Card, Chase Freedom Flex and Southwest Rapid Rewards Plus Credit Card.

However, none of her targeted offers are better than the publicly available offer. Instead, the "Just for you" tool's primary usefulness is that Emily can see that she is pre-approved for these offers.

Emily's "Just for you" card offers (Image courtesy of Chase)

So, how did Emily get so many targeted Chase card offers? It's unclear, but Emily said she is way under Chase's 5/24 rule and only has the Chase Sapphire Preferred Card. She also noted that she has been using the Sapphire Preferred more frequently over the last year.

Related: 9 cards currently offering sign-up bonuses of 100,000 points or more

Bottom line

Chase targets some current cardholders for various offers through the "Just for you" section of its mobile app and website. Using this feature can help you snag a card for which you might not usually be eligible. But, the offers often aren't better than the best publically available offer.

But, don't despair if Chase hasn't selected you for any targeted card offers. Offers change periodically, so it's worth checking back regularly to see what new offers might have loaded. And, just because Chase hasn't targeted you for a card offer doesn't mean you can't still apply and be approved.

The information for these targeted offers were collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.