The ultimate guide to Chase Offers

At The Points Guy, we're always looking for simple ways to save money and earn more rewards. One of the easiest yet often overlooked tools is Chase Offers.

With just a few clicks, you can unlock targeted discounts and cash-back deals at brands you already use. These range from streaming services and restaurants to travel and retail purchases. Even better, Chase Offers can often be combined with your card's usual earning rates and shopping portals, helping you get more value from everyday spending.

Here's how the program works and how to maximize it.

What is Chase Offers?

Chase Offers is a program available on eligible Chase debit and credit cards that gives cardholders access to targeted deals, similar to Amex Offers. These offers typically provide cash back or a percentage back as a statement credit when you make a qualifying purchase.

Like similar programs from other issuers, offers are personalized. That means the deals you see may differ from what someone else receives. You may also see different offers across your own Chase cards.

Which credit cards provide access to Chase Offers?

Most Chase-issued consumer and business credit and debit cards are eligible for Chase Offers if the primary cardholder has a U.S. address listed as their primary residence or place of business. To see if Chase Offers is available for your card, check your Chase mobile app or log in at Chase's website. Note that only the primary cardholder can see and add offers.

Some of the most popular eligible cards include:

• Chase Freedom Flex® (see rates and fees)
• Chase Freedom Unlimited® (see rates and fees)
• Chase Sapphire Preferred® Card (see rates and fees)
• Chase Sapphire Reserve® (see rates and fees)
• Chase Sapphire Reserve for Business℠ (see rates and fees)
• Ink Business Preferred® Credit Card (see rates and fees)

Each card may offer different options, so it's worth checking all your accounts if you hold more than one Chase card.

Daily Newsletter

Reward your inbox with the TPG Daily newsletter

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

Email address

Sign up

By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.

Related: The best Chase credit cards

How to find Chase Offers

You can find available offers on the Chase website and on the Chase app. To view your available offers on the website, log in to your account and find "Chase Offers" on the right-hand panel.

Alternatively, you can click on "Benefits & travel" on the top panel and select "Chase Offers", as shown below.

To view your Chase Offers on the Chase mobile app, log in to your account and then scroll to the bottom of the main account dashboard. You should see a section titled "Chase Offers" showing some of your current offers.

Either the website or app option will bring you to the offers currently available for you to browse.

What kinds of deals do Chase Offers have?

Offerings change daily and typically feature various types of goods and services. You may see deals for:

• Dining, including local restaurants and chains
• Retail and home goods
• Services like tax software
• Streaming services and subscriptions
• Travel and entertainment purchases

Offers typically range from about 5% to 30% back or provide a fixed statement credit after meeting a spending requirement. For example, you might receive a $20 statement credit after spending $100 with a specific merchant.

Real-world savings from Chase Offers

Chase Offers can be an easy way to save on purchases you're already making, which is something TPG staffers have seen firsthand across a range of everyday spending.

Travel writer Rachel Craft, for example, recently saved $50 on a furniture purchase at At Home by adding a 15% back offer on her Chase Freedom Flex just before it expired, and managing editor Lyndsey Matthews earned $20 back on TurboTax when filing her taxes.

Contributing editor Matt Moffitt purchased a Whoop health band (12-month membership and device) for $392 using his Sapphire Reserve, and a Chase Offer covered most of the cost (excluding tax), bringing his out-of-pocket cost down to $33.

While individual savings may vary, these examples highlight how quickly small, targeted offers can add up, especially on purchases you already planned to make.

How to redeem Chase Offers

While you don't have to enroll your card to start using the Chase Offers program, you do have to add each individual offer to your credit card. Adding them is easy — all you have to do is navigate to Chase Offers either online or through the Chase Mobile app and click "Add to card" on any available offer that interests you. Then, use your card at the specific merchant and you should see a statement credit applied to your account within 7 to 14 business days of your purchase.

Adding Chase Offers on the Chase website

Once you arrive on the Chase Offers landing page, adding an offer to your account is very simple.

If you have multiple eligible Chase cards, you'll see a "Choose your account" drop-down near the top of the screen. Note that if you have multiple sign-ins with Chase, such as one for your personal cards and one for business credit cards, you will only see cards associated with the account for which you're currently signed in.

Click on any offer to add it to your card. Then, use your card at the specific merchant and wait for your statement credit to post.

Adding Chase Offers through the Chase mobile app

Once you find an offer you would like to use in the app, the process is similar to the website process.

You can click on "See all offers" to see the rest of your offers. You'll see a "Choose your account" drop-down near the top of the screen if you have multiple eligible Chase cards.

Click on any offers to add them to your card, use your card at the participating merchant and wait for your statement credit to post.

What to know about Chase Offers

When you add an offer for a specific card, you must use that same card to redeem the offer. For example, if you add a Chase Offer to your Chase Freedom Flex, you must use that card to redeem that offer successfully.

Be sure to read the terms and conditions for each offer carefully. You only have a certain amount of time to use each offer; many come with maximum earning limits. As long as you make your purchase by the expiration date, you should receive the credit even if the transaction posts after the expiration date.

Chase Offers are rewarded as a statement credit, even if you have a card that earns Ultimate Rewards points on regular spending. This is an area where Chase differs from Amex. Some Amex Offers consist of statement credits, while others offer bonus Membership Rewards points for purchases.

One of the common threads among all Chase Offers is this condition: Payment must be made directly with the merchant. While you can still use services like mobile wallets and PayPal with Chase Offers, you can't use third-party providers to make purchases.

Finally, Chase Offers are only available on eligible U.S.-issued Chase credit cards tied to U.S.-based accounts. However, some offers may still be valid at international merchants, particularly global brands like hotel chains, as long as the transaction is processed by the eligible merchant and charged to your enrolled card.

How to maximize Chase Offers

Since new offers are constantly added, it's a good idea to go through your Chase Offers at least biweekly to review and add new offers. It doesn't cost anything to add an offer and then not use it, so you can be pretty lenient with which offers you add. If there's even a tiny possibility that you'll use an offer, you might as well add it to your card. If you use it, great; if not, it's not a problem.

Chase Offers become significantly more valuable when you stack them with other rewards opportunities. This means combining an offer with a shopping portal and a credit card bonus category to earn multiple layers of rewards on the same purchase.

For example, imagine you're booking a $200 stay at a Hyatt property. You could:

• Click through a shopping portal offering 5 points per dollar spent on Hyatt bookings
• Pay with a card like the Chase Freedom Flex during a quarter where travel earns 5% cash back*
• Add a Chase Offer for, say, 10% back at Hyatt

In this scenario, you'd earn 1,000 points through the portal, $10 cash back from your Freedom Flex and a $20 statement credit from the Chase Offer.

Instead of earning rewards from just one source, you've effectively tripled up on the same purchase.

Only the primary cardholder can see and add offers, but any authorized user can redeem them once they're added.

Chase Offers are best used for purchases you were already planning to make. Like any coupon or sale, saving 10% on something you didn't need isn't actually saving money. But when used strategically, especially in combination with shopping portals and bonus categories, they can meaningfully boost your overall return.

*Earn 5% cash back in rotating categories for the first $1,500 in combined purchases each quarter; activation required.

Bottom line

Chase Offers is one of the easiest ways to save money on purchases you already plan to make. While the discounts may not always be large, they require minimal effort and can add up quickly.

By checking your offers regularly and combining them with bonus categories and shopping portals, you can turn everyday spending into meaningful savings over time.

Related: How to maximize online shopping portals for your purchases