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Offers for the Chase Freedom Flex℠ are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
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 have any banking relationship with Chase, then Chase Offers can be a great tool to help you do just that.
In this post, we're going to walk you through what Chase Offers are, how to find them, 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 the fall of 2018 as a response to American Express' popular Amex Offers program.
Essentially, Chase analyzes your spending habits on each of your credit cards to tailor offers to you. If you have multiple Chase cards and spend differently on each, you'll likely have a different set of offers for each card.
Who Is Eligible for Chase Offers?
In basic terms, all Chase debit and credit cards are eligible, as long as the primary cardholder has a U.S. home or business address. However, Chase's FAQ page for Chase Offers states “certain” cards are eligible, so there's a chance that a card you hold may not have any offers.
Drawing from experience, I have six Chase consumer and business credit cards, as well as one banking account with a debit card. All seven of my current accounts have Chase Offers. What differs is the amount of offers between them. My Chase Sapphire Preferred® Card currently has 83 offers. This is undoubtedly because I regularly use this card at a wide variety of vendors. On the opposite side of the spectrum, my debit card currently has five Chase Offers. This is because I choose to optimize my rewards earning, and therefore I hardly ever make purchases using a debit card.
Chase Offers are targeted and based on spending habits, but it's safe to assume that most Chase cards, including no-annual-fee cards like the , are eligible for Chase Offers.
What Chase Offers Are Available?
The selection of Chase Offers available is personalized, depending on what you tend to use each card for. However, there is generally a wide selection. They can include everything from travel to healthcare to business needs.
Related: Current Travel-Related Chase Offers
Where Do You Find Your Chase Offers?
Cardholders do not need to enroll to participate in Chase Offers. However, you will need to activate each offer for your account. Thus, it's important to know exactly how to find them.
Desktop browser
On a computer, navigate to the Chase homepage and log in to your account. From here, scroll down and look on the right side of the page. You should see where it says Chase Offers. Click on “See all offers.”
After this, you choose which card you'd like to see offers for.
Mobile app
In the Chase Mobile App, you'll find Chase Offers at the very bottom of your account summary page. Tap the number with an arrow next to it to be taken to the page showing all of your offers.
From here, just like with the desktop option, you can select the card you'd like to see.
How Do I Use My Chase Offers?
For each Chase Offer that you see, there will be several bits of important information to note:
- The card associated with the offer
- The brand/vendor for the offer
- The rebate amount
- When the offer expires
- Whether the offer has been activated on your card
If you click on the offer, in addition to activating it, you will find the rest of the terms and conditions. For the majority of Chase Offers, this most notably includes the limit of your discount. For example, I have an active Chase Offer for 10% back at InterContinental Hotels. If you click the offer, however, you'll see that it's 10% off a purchase of $100 or more with a $57 cash-back maximum.
Furthermore, it's important to remember that you have to make your purchase with the correct card. Pay close attention to which card you adding an offer to, and be sure to use that card when paying for the correlating purchase. Once you've successfully redeemed a Chase Offer, the cash back 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. It can be tempting to see discounts for your favorite vendors and try to 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 overspending. 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.
So how to maximize the offers? 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. If there's an offer I have even the slightest chance of using, I activate it. That way, if I happen to make a purchase with the relevant merchant, the discount will be completely genuine. Otherwise, I don't focus on them much.
Think Outside the Box
With that said, there is one tip I will mention. When it comes to Chase Offers like those pictured above for hotels, try thinking outside the box. For example, consider a Hyatt Place offer of 15% cash back on purchases of $100 or more with a $45 cash-back maximum. How can you take advantage of the offer other than a hotel 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. Just be sure to check the terms, as some offers mention that gift cards aren't eligible.
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 for this. They're not going to be life-changing, but they can save you money at the places you frequent the most. Take five minutes a week to go through and activate them. You may be surprised at how quickly the savings add up.
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