Many banks offer credit cardholders a discount program. American Express has Amex Offers, Citi has Merchant Offers. Not to be outdone, in 2018, Chase launched Chase Offers.
The gist of all these programs is the same: Cardholders get targeted offers to earn cash back or bonus points for making qualifying purchases at participating merchants. However, each program works a bit differently in practice.
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What Are Chase Offers?
Chase Offers is a discount program for cards issued by Chase. No registration is required to get started with Chase Offers, but you’ll need to opt in to each individual offer.
Once you enroll in an offer, make a qualifying purchase with your enrolled card to earn cash back. This savings is in addition to the points or miles you’ll earn from making the purchase with your credit card.
How Do Chase Offers Work?
Chase Offers can be accessed online or through the Chase mobile app. Once this is done, all you need to do is add an offer to your Chase account and make a purchase using the enrolled card to get the savings.
The details of Chase Offers vary. Some provide a percentage of your purchase as cash back while others provide a set amount of cash back. Often, Chase Offers require a minimum purchase to trigger any savings. And most Chase Offers have a cap on how much you can save through that offer.
One thing that’s similar across most Chase Offers is the limited time to enroll and use them. Most Chase Offers must be redeemed within a month of enrolling, but you may see one up to 60 days.
Some Chase Offers may be extended for an additional amount of time. For example, this Marriott Autograph Collection Hotels Chase Offer was originally scheduled to expire on July 19, 2022.
However, it was extended through July 31, 2022.
Chase Offers only work for purchases within the U.S. Even if you make a reservation at an overseas hotel through a U.S.-based website, the offer won’t be triggered if you are charged at checkout in another country.
Cards Eligible for Chase Offers
To be eligible for Chase Offers, you need a Chase account with a U.S. address listed as your primary residence or place of business. Consumer and business cards are eligible, as well as debit cards. That means you can save on eligible purchases even if you don’t have a Chase credit card.
It’s possible that your Chase credit and debit cards may not be eligible. In its Chase Offers FAQ, Chase references that “certain” cards are eligible for Chase Offers. The only way to tell for sure is to check the Chase website, Chase Mobile app or Chase Pay app.
Your card may still be eligible even if you don’t see a Chase Offer listed for an account. Chase says that offers are targeted “based on how you use your eligible credit or debit cards.” So, you will likely find the most Chase Offers on cards you use to make purchases.
It’s possible you won’t be targeted for any Chase Offers on an otherwise eligible card that you don’t use much. To be targeted for more offers, Chase recommends using your cards more frequently to make purchases.
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How To Use Chase Offers
To get started using Chase Offers, you first need to enroll in an offer. Log in to your Chase account either online or on the mobile app and find the Chase Offers section. By clicking the “Chase Offers” link, you can see the complete list of Chase Offers available to you.
To enroll in a particular Chase Offer, simply click on the tile. With just this one click, the Chase Offer will be activated on your card.
Check All Your Cards for Chase Offers
Chase Offers vary between cards, and a particular offer may not appear on all of your cards. So, you’ll want to check each of your accounts if you have multiple Chase credit and debit cards.
Once you’ve added a Chase Offer to a card, you can’t remove that offer from the account. The good news is there’s no limit to how many offers you can add to a particular account. Also, unlike with Amex Offers, the same Chase Offer can be added to—and used on—multiple cards. The only caveat is Chase Offers are tailored specifically to each of your cards, so if you want to use the same offer across multiple cards, the offer has to be available for each account.
Where To Find Chase Offers
Chase doesn’t provide a landing page for Chase Offers. Instead, cardholders need to log in to their Chase account dashboard or Chase Mobile app to find Chase Offers and enroll.
On the Chase website, you can find a quick link to Chase Offers at the top of the account dashboard—under the “Benefits” and “Chase Offers” dropdown menu.
Alternatively, after selecting one of your Chase cards, you should see the Chase Offers section on the right-hand side below the card summary section.
Best Chase Offers of August 2024
Chase Offers are organized into nine categories: groceries, food and drink, gas and auto, shopping, travel, home and pet, entertainment, health and beauty and other. The following are examples of past Chase Offers:
Groceries
- Cirkul: 10% back with a maximum of $8 back
- Misfits Market: $5 back on your first payment for a Misfits Market subscription
Food and Drink
- Liquid IV: 10% back with a maximum of $9 back
- Baskin Robbins: 10% back on a Baskin Robbins purchase up to $3
Gas and Auto
- Chevron Pay at Pump: 2% cash back on gas payments at the pump up to $1.40
Shopping
- YouTube TV: $20 back on a subscription purchase of $57.99 or more
- Noom: Earn 20% cash back on your first payment up to $30
Travel
- Lyft: 10% cash back with a maximum of $4
Home and Pet
- Lamps Plus: 10% cash back with a maximum of $45
- The Company Store: 10% cash back up to $32 maximum
Entertainment
- AT&T Fiber: $50 cash back on a subscription purchase and making your first two plan payments of at least $50 each
- Paramount+: $5 cash back on your first payment of a subscription $4.49 or more
Health and Beauty
- Kerastase: 15% back up to a $22.50 maximum
How Quickly Do Chase Offers Savings Post?
Chase notes that it takes up to 14 business days for statement credits to appear in your account. However, some statement credits post to accounts a few days to a week after a purchase.
How To Maximize Chase Offers
Chase Offers are a great way to save on purchases. But, you’re missing out on savings or mileage earnings if you don’t stack Chase Offers with other promotions. For example, you can save through Chase Offers at the same time that you earn cash back, points or miles through a shopping portal.
Chase Offers are triggered when an eligible purchase posts to an enrolled Chase card. Offers generally don’t require cardholders to click through a particular Chase Offers link. Any time that’s the case, check a site like Cashback Monitor before to see what rewards can be earned through online shopping portals.
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