Chase Offers program guide

If you’re tired of clipping coupons and searching for promo codes but still want to save money, Chase Offers can help you earn cash back at the places you already shop. By taking a few minutes to browse deals and link them to a card, eligible Chase credit and debit cardholders can quickly start racking up statement credits.

What is Chase Offers?

Similar to other card-linked offer programs, Chase Offers gives cardholders deals from popular brands designed to help them save money on purchases such as dining, clothing and travel. There are plenty of deals to choose from and there’s something for every kind of spender.

“We also are featuring offers from partners that are exclusive to Chase customers,” says Maribel Ferrer, communications director of payments at Chase Offers. This makes it easy for users to know that they are getting great value and savings they couldn’t find hunting for a traditional coupon or promo code.

How does Chase Offers work?

Chase Offers is a pretty straightforward program and easily accessible for eligible members.

Ferrer says that Chase Offers doesn’t require customers to sign up and that customers who use the Chase Mobile App will automatically see their offers at the bottom of their home screens.

“All they have to do is simply add offers to their card with a single tap and then shop at the merchant to earn an automatic statement credit,” says Ferrer. There’s also no limit to the amount of deals you can choose and no penalty for not using an offer.

Once you make a qualifying purchase, you’ll receive the offered statement credit in the next seven to 14 business days.

Outside the Chase app offers, these deals are also available on the Chase website, in addition to on the mobile app. You can receive updated Chase Offers online via email, too. These options make it even easier for cardholders to find offers that work for them no matter where they prefer to browse.

Restrictions and drawbacks with Chase Offers

While Chase Offers has some unique features that add value for users, there are also some drawbacks to the program:

Chase Offers vary by eligible card

These exclusive Chase credit card offers are specific to each of your eligible cards, so you can’t use multiple cards to take advantage of the same deal more than once (unless it happens to be offered for both). If you spend differently on different cards, it’s  is likely your available deals will vary.

Keep close watch on the terms and conditions

Each merchant offer also has its own set of terms and conditions that you’ll want to read carefully. Offers might require certain purchase amounts or be limited to one use per card. To make sure you actually earn the statement credit, be careful with how you spend.

Chase Offers is only available in the U.S.

While many similar programs include offers outside of the U.S. – even if your purchase is made in a foreign currency – Chase Offers is only available stateside for now. You won’t be able to rack up extra cash back while you travel.

Types of deals you can find

“Deals vary and there is something for everyone,” says Ferrer, citing examples like pet shops and hardware stores as unique deals on Chase Offers. In addition to travel, dining and retail promotions, Chase Offers users can find exclusive cash back from a wide variety of brands.

To make the experience even more unusual, Chase Offers are tailored to the specific user. When you log into your Chase mobile app, you’ll see recommended deals inspired by your location and spending patterns.

Earn more with Chase rewards cards

Making a purchase to redeem a Chase Offer doesn’t affect your normal credit card rewards earning, so you can use deals to boost your overall rewards rate. If you stack Chase Offers on rewards earned on cards like the Chase Sapphire Preferred Card or Chase Sapphire Reserve card – two of our most popular travel cards – you can earn enough for your next trip in no time.

Here’s a quick look at a few of Chase’s rewards cards to give you an idea of what you can earn.

	Intro bonus	Rewards rate	Annual fee
Chase Sapphire Preferred® Card	60,000 points if you spend $4,000 in first 3 months	5X points on travel purchased through Chase Ultimate Rewards 3X points on dining, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs) 2X points on other travel 1 point per dollar on general purchases	$95
Chase Sapphire Reserve®	60,000 points if you spend $4,000 in first 3 months	10X points on hotels and car rentals purchased through Chase Ultimate Rewards 5X points on air travel purchased through Chase Ultimate Rewards 3X points on other travel and restaurant purchases Earn elevated rewards on all travel purchases immediately after spending the $300 annual travel credit 1X point on general purchases	$550
Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)	5% cash back on Lyft purchases (through March 2025) 5% cash back on travel purchased through Chase Ultimate Rewards 3% cash back on restaurant and drugstore purchases 1.5% cash back on all purchases	$0
Chase Freedom Flex℠	$200 if you spend $500 in first 3 months	5% cash back on rotating bonus categories that you must activate each quarter (on up to $1,500 per quarter) 5% cash back on Lyft purchases (through March 2025) 5% cash back on travel purchased through Chase Ultimate Rewards 3% cash back on restaurant and drugstore purchases 1% cash back on general purchases	$0
Ink Business Unlimited® Credit Card	$750 if you spend $7,500 in first 3 months	1.5% cash back on all purchases	$0
Ink Business Cash® Credit Card	$750 if you spend $7,500 in first 3 months	5% cash back on internet, cable and phone services and at office supply stores ($25,000 in purchases per year) 2% cash back on gas and dining ($25,000 in purchases per year) 1% cash back on other purchases	$0

How to maximize rewards with Chase Offers

To ensure you are getting the most cash back from your Chase Offers, follow a few simple tips:

Combine Chase Offers with paper coupons, promo codes and other deals

Since statement credits for Chase Offers are awarded simply for using an eligible Chase credit card, you can usually still utilize paper coupons or promo codes when you make your purchase. If you take a little extra time to hunt for merchant promotions, you can boost your savings.

And if you have more than one credit card, you can take advantage of multiple card-linked offer programs. For example, if you have another Chase Visa card, you can link it to Uber’s Visa Local Offers program for extra Uber Cash. That’s an especially effective combo with a card that earns rewards on Uber, like the Chase Sapphire Reserve and its 3X points on dining and other travel not purchased through the Chase portal (after the annual $300 travel credit – which can also be used on Uber).

Shop using cash back portals to stack offers

Similar to using a promo code, you can shop online using cash back portals to stack promotions. Shop Through Chase is an excellent place to start collecting a few extra Ultimate Rewards points. Other websites like Cashback Monitor clearly show where you can earn rewards from particular merchants. If your Chase Offer applies to online purchases, shop through the cash back portal and use your linked Chase card to pay to earn even more.

Check for a Chase Offer every time you dine out

While Chase Offers range from retail promotions to travel offers, most deals seem to be dining-related. Before you eat out, check your Chase mobile app for an offer at your favorite restaurant to ensure you aren’t missing out on savings.

Bottom line

If you are a Chase customer, it’s no question that you can get great value by taking advantage of Chase Offers. You’ll find exclusive deals without the hassle of hunting down a coupon and automatically receive statement credits quickly.