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If you're reading this, then it's probably a safe bet that you enjoy saving money. If you happen to have any kind of banking relationship with Chase Bank, then Chase Offers can be a great tool to help you do just that.
In this post, we're going walk you through what Chase Offers are, how to use them effectively, and how they can save you money.
What are Chase Offers?
Chase Offers are personalized discounts in the form of cash-back for purchases made at specific vendors. They originally showed up in fall 2018 as a response to American Express' popular ‘Amex Offers‘ program.
Essentially, Chase analyzes your spending habits on each of your cards to tailor offers to you. They are personalized to each card, so no two people's offers will be the same. If you have multiple Chase cards and spend differently on each, you'll likely have completely different offers for each card.
See the current roundup of travel-related Chase Offers here: Get Up to 15% Cash Back on Flights, Hotels, Gas and Cruises With Chase Offers
Which Chase Cards Qualify for Chase Offers?
This is a topic of contention. On Chase's FAQ page for Chase Offers, they simply say, “Certain consumer and business, credit and debit cards are eligible for Chase Offers.” So it's hard to say exactly which cards will have access to them. Drawing from experience, I have eight Chase consumer and business credit cards, as well as four banking accounts with debit cards. All eight of my credit cards and, strangely, only two of my debit cards, have access to Chase Offers.
It seems that the more vendors you spend money at, the more offers you will receive. Of all my cards, the card with the most Chase Offers is my Chase Sapphire Reserve® (full review). This undoubtedly is because I use this card at the widest variety of vendors regularly for all my travel and restaurant spending. On the opposite side of the spectrum, my debit cards currently have one and zero Chase Offers, respectively. This is probably because to optimize my rewards earning, I hardly ever make any purchases using a debit card! It's safe to assume that most Chase cards, including no annual fee cards like the Freedom cards, are eligible for Chase Offers.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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, 60,000 points are worth $900 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
- Member FDIC
- 10X points on Lyft rides through March 2025
- 10X points on hotels and car rentals purchased through Chase
- 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
- 5X points on airfare purchased through Chase
- 3X points on all other travel
- 3X points on dining at restaurants
- 1X points on all other purchases
The selection of Chase Offers available is also personalized depending on what you tend to use each card for. For instance, my Ink Business Preferred® Credit Card, a small business credit card, has had Chase Offers for Zoro.com, a business supply store.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
At the same time, my Chase Freedom Unlimited® had Chase Offers for Amazon Fresh and RiteAid, an online grocery outlet and pharmacy, respectively. Since I regularly use my Freedom Unlimited at groceries and pharmacies, it makes sense that these kinds of offers would show up here.

Where do you find your Chase Offers?
There are three places where can find and activate your Chase Offers:
Using the desktop website, you'll find your Chase Offers at the bottom-left corner of your account summary page if viewing in a personal account. If viewing in a business or combined account, you'll find them on the far right side of your account summary page, beneath your information/last session summary section.


In the Chase Mobile App, you'll find them at the bottom of your account summary page.

In the Chase Pay app, you'll find them under the “Find” tab at the bottom left.
How do I use my Chase Offers?
For each Chase Offer that you'll see, there will be several bits of important information to note:
- Which card is associated with the offer?
- The brand/vendor for the offer
- The discount amount
- When the offer expires
- Whether the offer has been activated on your card or not
If you click on the offer, in addition to activating the offer, you will also find the rest of the terms and conditions about it. For the majority of Chase Offers, this most notably includes the limit of your discount. For example, you can see above that I have an active Chase Offer for 20% back at Kimpton Hotels. If you click the offer, however, you'll see that it's 20% off a purchase of $100 or more with a $120 cashback maximum.
To utilize a Chase Offer, all you have to do is make sure you activate it (by simply clicking on it) before making a purchase at that vendor. It's also important to remember that you have to make your purchase with the correct card. You can't, for instance, activate an offer that showed up on your Sapphire Reserve, and then expect the cashback to show up for a purchase made with your Freedom Unlimited. Once you've successfully redeemed a Chase Offer, the cashback will show up as a statement credit in your account within 7-14 business days.
Getting the Most out of Chase Offers
A fundamental principle that we preach here is to never spend more than normal in an effort to chase rewards. It's important to remember this. When people see all these discounts at all their favorite vendors, their first instinct is to try and take advantage of all of them. It's the buffet conundrum! And just like a buffet can lead to over-eating, these discounts can lead to over-spending. We recommend following this simple rule:
Unless you already have a plan for a purchase at a vendor, don't go out of your way to make one because of a Chase Offer.
For the majority of people, the best way to take advantage of Chase Offers is to activate them and forget them. I usually go through all my Chase Offers any time I go into my account to pay bills. Any offer that I deem I'll have even the slightest chance of using, I'll activate it. That way, if I happen to make a purchase there, the discount will be completely genuine.
Think Outside the Box
With that said, there is one “pro-tip” I will mention. When it comes to Chase Offers like those pictured above for hotels, try thinking outside the box. The Hyatt Place offer is for 15% cashback on purchases of $100 or more with a $45 cashback maximum. Is there anything useful you could buy there other than a night's stay? What about a Hyatt gift card bought from the front desk? If you already plan on staying at some Hyatt Hotels in the near future, getting a $300 gift card for $255 is a pretty good deal.
Final Thoughts
As reward travelers, we're naturally inclined to save money. We use rewards as a means to experience things we otherwise couldn't, or wouldn't, afford. Chase Offers are just another tool in our belt to this end. They're not going to be life-changing, but they can definitely save you money at the places you frequent the most. Take 5 minutes a week to go through and activate them. You may be surprised at how quickly the savings add up.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I love Chase Offers, especially when I can stack them with other deals, such as category earnings and portal purchases.
I love Chase offers and always load them to my cards just in case. The ones I use most often are for dining, Rite Aid, and previously, hotels. Glad to see you add the caveat about them only being a good deal if you were planning to purchase anyway!
Thanks for posting this – I just got the CSP & the FU combo, and this will be helpful for when I start using these cards and navigating the app. I do have one question, though…do we still earn the normal rate of UR points whenever we purchase something specifically through Chase Offers?
You should! I haven’t used Chase Offers myself, but I assume that it will be similar to Amex Offers: The transaction will post at the full purchase price. Points would be based on that. Then, you’ll get a statement credit for the offer.
I was able to redeem my first one at Hyatt House. I’ll be looking to use more of these now.
Very good advice, “to never spend more than normal in an effort to chase rewards” thank you!
I’ve gotten a few emails about these offers but haven’t paid much attention (so many programs to keep track of). Based on the information in this post, I’ll give them another look. Thanks!
Just tried Chase offers and starting to redeem them. Hope they expand their offerings more like AMEX offers.
I always use a different card at some of the places I see above. I wonder if I use my Chase card whether I will see those offers as well?
This is a good reminder, I haven’t found any good Chase offers but I’ll take a look again. Thanks!
I’m always on the look out for innovative ways to save some money. I really like the sound of the gift card idea. I’m going to give this a try.
Is the maximum $120 Kimpton rebate a liftime one?
$120 is the max for this promotion. We’ve never seen any lifetime language with these, so if you use this one and six months from now there is another Kimpton offer, you should be eligible for that too.
I also register for every offer. You do hove to watch the conditions…I thought I had fulfilled the requirements for one of them but then realized that I hadn’t quite spent enough money at the hotel. This is one situation where if I had booked a slightly upgraded room, I would have actually saved money overall due to the Chase offer kicking in a refund after the fact.
Are they stackable with ebates as well?
Yes, you can stack with Ebates/Rakuten as long as you pay with your Chase card.
Or any other portal, yes. As long as that vendor is the one charging your card.
I’m really glad that Chase Offers are not just on their app, but on the web in general. There are just too many apps competing for limited amount of space on my phone. right now.
I think Chase offers are a bit too weak with usual saving rates of 5-10%.
Hopefully we’ll see discounts in the range of 10-20%.
Not to mention how many there are. I have 7 right now. Seven.
Indeed, let this feature / benefit be your ultimate money saving tool rather than being the slave of it.
I have used these quite a bit. I love them. I do exactly what you say but mostly because I cannot remember which is on which card so I just use whatever card gives me the best amount of points for my purchase and if I get money back ok, if not then ok. Every now and then I look in the app and see if I save money anywhere.
I get these on my Alaska Bank of America card too. I like that there I got McDonalds! That was a nice surprise. I have an 8yr old that just loves the kids meals. I think Chase picked it up and offered them too once. I find that I get better deals through Chase than Amex for where I shop.
Have ya’ll found that you like the deals more with Chase or Amex or BofA?
I love Chase offers! Just redeemed one for $25 back from cricket wireless.
I had pocketed my Freedom card in favor of a different card for awhile, and have only recently (within the past month) rediscovered it since I started following these blog posts. I find it interesting that I haven’t used the card for a few years now but I have offers that are actually relevant to my normal spend. Really grateful for the tip about purchasing gift cards using the cash back for a discount!!!
Amex offers for my Hilton and SPG cards seems to offer more value to me than the Chase offers I’ve seen for my Chase IHG Mastercard or Southwest Priority Visa
Great information. Does anyone know how long it takes AA to post eShopping points?
I register for all of them even if I don’t have intent to make a purchase. This week I received an email stating I had fulfilled a Chase offer at AirBnB I forgot I registered for, which was a nice surprise.
Wow, lucky you with the surprise! I am in love with this program!
And, that right there is why I do as well. That’s produced a pleasant surprise for me a few times now. Of course, I want a “register for all” with one click option, but I suspect they’re not going to offer that to us, unfortunately.
I realize that compared to AmEx offers, the Chase Offers program is still essentially in its infancy, but I have honestly yet to find a useful offer attached to any of my Chase cards. Hopefully we’ll see the program continue to grow.
Do the giftcard purchases always work to activate the offers? I was curious about the Starbucks one in particular.
I would love a definitive answer to this query too.
Very good tips to avoid impulse purchases when we have discounted offers, cash back, etc …
Looking for more promotions from Chase
I was so surprised to notice when these started. I’ve been enjoying them for quite some time now and saving money! Thanks for this very thorough and informative post!