Chase Offers, which has been around since 2018, helps Chase credit card customers get more bang for their buck. Plus, the incentives that apply through Chase Offers are given out on top of the rewards you earn. They can also be “stacked” with other shopping promotions, including eligible purchases made through the Chase Ultimate Rewards® portal.
Many other credit card issuers have similar programs to give their customers deals and discounts, including Amex Offers from American Express and the Capital One Offers program from Capital One. Each of these programs gives cardholders another way to earn more rewards or get extra cash back on eligible purchases.
Chase Offers is a program that lets Chase credit card customers earn additional cash back for spending at eligible retailers. These offers are targeted to consumers based on their normal spending habits, so they can vary from person to person.
Chase Offers give customers a way to earn more rewards than they normally would. For example, if you had a rewards credit card from Chase and used a Chase Offer, you would earn the normal amount of rewards from your credit card as well as the extra cash back through the Chase Offers program.
Chase Offers are made available in your Chase account, and you can check your options at any time. However, they don’t apply to your account automatically.
You will have to enroll in order to receive any Chase Offer you want to use. To enroll, you’ll need to click on the plus symbol at the bottom right-hand corner of a Chase Offer. You’ll also need to follow the fine print in the offer for the promotion to apply — each individual offer has its own deadlines, spending requirements, reward caps and other restrictions or conditions.
As just one example, you can see a Chase Offer for Five Guys Burgers and Fries in the screenshot below.
If you click on the plus symbol to add this offer to your card, the fine print says that you can earn 10% cash back on your Five Guys Burgers and Fries purchase, but only to a maximum of $3. The offer also features an expiration date, after which the additional cash back will no longer apply.
To use this Chase Offer or any others you find, there are only two things you need to do:
After that, you’ll receive your statement credit. Note that it can take between seven to 14 business days for your account to be credited.
Below you’ll find an example of a Chase Offer for Under Armour that shows what the fine print and the terms and conditions of these offers can look like:
You should also be aware that you may have different Chase Offers for different Chase credit cards you have, and that you’ll need to use the right card for the offer to apply. If you add a Chase Offer to your Chase Sapphire Preferred® Card, for example, you’ll have to use that card for the qualifying purchase to earn the additional cash back.
Chase Offers are easily found within your account dashboard when you log into Chase.com. You can find the offers available with your card at the lower right hand of the page.
The section of your account where Chase Offers are located will look something like this:
You can also find Chase Offers in the Chase mobile app if you use it. These offers are found by scrolling past your account activity and rewards balance.
Chase Offers in the mobile app will look like this:
Chase Offers are available through eligible credit cards from Chase. This includes cash back credit cards, travel credit cards and co-branded credit cards offered through Chase.
Credit cards that qualify for Chase Offers include:
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Chase Sapphire Preferred® Card*
|
Travel rewards
|
60,000 points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
| 1X - 5X points
| $95 | |
Chase Sapphire Reserve®*
|
Luxury travel
|
60,000 points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
| 1X - 10X points
| $550 | |
Ink Business Preferred® Credit Card*
|
Business
|
90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| 1x - 3x points
| $95 | |
Chase Freedom Flex℠*
|
Cash back
|
$200 cash bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| 1% - 5% cash back
| $0 | |
Chase Freedom Unlimited®*
|
Groceries
|
$300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
| 1.5% - 5% cash back
| $0 |
Chase Offers can vary by card and account, and they can also change over time. Here’s a sampling of Chase Offers that were available to certain customers at the beginning of January 2025.
Entertainment
Food & Drink
Retail
Travel
In order to redeem Chase Offers, you simply add them to your account and make a qualifying purchase using your Chase card. You’ll earn additional cash back in the form of a statement credit, which will be automatically added to your account within seven to 14 business days.
Getting the most out of Chase Offers isn’t difficult, but you do have to remember that they exist and manually add the offers you want to your account. The following moves can help you get more cash back through Chase Offers throughout the year:
Amex Offers is a very similar program to Chase Offers in some ways. Chase Offers and Amex Offers are available for almost all cardholders (from the respective issuers) in the U.S. and both programs require cardholders to manually add the offers to their account for the promotion to apply.
The biggest difference between Amex Offers and Chase Offers is that offers from American Express tend to be more lucrative, although they may require you to spend more to earn the rewards. In addition, Amex Offers often last a lot longer, with a lot more time to use them before they expire.
Capital One Offers is essentially an online shopping portal where you can earn statement credits on your purchases. This means that unlike Amex Offers or Chase Offers, you won’t have to add the offer to your card — however, you will need to make sure you follow the correct link (from the shopping portal) to make the purchase.
You can see offers from Capital One on the Capital One mobile app or through your online account.
The information related to the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card, Chase Freedom Flex℠ and Chase Freedom Unlimited® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
