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Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.
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.
Which Chase Cards Qualify for Chase Offers?
This is a topic of contention. At 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!
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- Earn 5X total points on air travel 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, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 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 for Global Entry or TSA Pre✔®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- 10X points on Lyft rides through March 2022
- 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 $15,000 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
- $95 Annual Fee
- 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.
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 the 5 minutes a week to go through and activate them. You may be surprised at how quickly the savings add up.
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