How to use the Chase Offers program

If you want to save money or earn cash back on select purchases, consider the Chase Offers program. If you accept the program’s tailored deals and make eligible purchases with your Chase credit card, you can get cash back in the form of a statement credit. Note that you may not get the same offers as other cardmembers.

What is the Chase Offers program?

Chase Offers is a cashback program where you get deals tailored to your spending habits. Typically, Chase deals come with up to 30% cash back. If you activate a deal, you get statement credit in addition to rewards points already earned from your credit card.

How does the Chase Offers program work?

Download the Chase Mobile app or the Chase Pay app to automatically start getting deals. To see the deals, scroll all the way to the bottom of the app. Choose which Chase card you’d like to activate the deal on, then make eligible purchases with that card to take advantage of the offer before it expires.

For example, if you get a deal on your Chase Freedom Unlimited®, you must use your Chase Freedom Unlimited® to get the rewards.

Our pick for Chase deals

Chase Sapphire Preferred® Card

• Spend $4,000 within your first 3 months of card membership to earn 60,000 bonus points — worth $750 when redeemed for travel via Chase Ultimate Rewards.
• Earn 2x points on travel and dining at restaurants worldwide and 1x point on all other purchases.
• Get 25% more redemption value for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
• Flexible points redemption and 1:1 transfers to travel loyalty programs

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Compare credit cards with Chase deals

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Chase Freedom Unlimited®		3% cash back on all purchases in your first year up to $20,000 spent, then 1.5%	1.5% cash back after earning 3% on all purchases in your first year up to $20,000	$0		Earn 3% cash back on all purchases in your first year up to $20,000 spent, then earn 1.5% cash back after that.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Chase Freedom®		$200 cash back after spending $500 in the first 3 months	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	$0		Earn $200 cash back after spending $500 in the first 3 months from account opening.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		60,000 points after spending $4,000 in the first 3 months	2x points on travel and dining and 1x points on all other purchases	$95		Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
United℠ Explorer Card		40,000 miles after spending $2,000 in the first 3 months	2x miles at restaurants, hotels and United and 1x miles on all other purchases	$0 intro annual fee for the first year ($95 thereafter)		40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$450		Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	See offer on creditcards.com View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Plus Credit Card		40,000 points after spending $1,000 in the first 3 months plus 20,000 points after spending $12,000 in the first 12 months	2x points on Southwest Airlines and 1x points on all other purchases	$69		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open, plus 20,000 points after spending $12,000 on purchases in the first 12 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Marriott Bonvoy Bold™ credit card		50,000 points after spending $2,000 in the first 3 months	3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases	$0		50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.	See offer on creditcards.com View details	Compare	loading Fetching your data...
British Airways Visa Signature® Card		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	3x Avios on British Airways, 2x on hotels and 1x on all other purchases	$95		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	See offer on creditcards.com View details	Compare	loading Fetching your data...
The World of Hyatt Credit Card		25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months	9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	$95		Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card		125,000 points after spending $3,000 in the first 3 months, 10,000 points after spending $20,000 and making an additional purchase each account anniversary	40x points at IHG hotels and 4x on other purchases for the first 12 months. Then 25x points at IHG, 2x on gas, groceries and dining and 1x on all other purchases	$89		125,000 points after spending $3,000 in the first 3 months plus 10,000 points after spending $20,000 and making one additional purchase each account anniversary.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		$500 back after spending $3,000 in the first 3 months	1.5% cash back on all purchases	$0		$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		$500 cash back after spending $3,000 in the first 3 months	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	$0		$500 bonus cash back after you spend $3,000 in the first 3 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Ink Business Preferred℠ Credit Card		100,000 points after spending $5,000 in the first 3 months	3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases	$95		100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®	See offer on creditcards.com View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Business Credit Card		60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary	2x points on Southwest Airlines and 1x points on all other purchases	$99		Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Marriott Bonvoy Boundless™ Credit Card		75,000 points after spending $3,000 in the first 3 months	6x points at Marriott Bonvoy hotels and 2x points on all other purchases	$95		Earn 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Performance Business Credit Card		80,000 points after spending $5,000 in the first 3 months	3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases	$199		Earn 80,000 points when you spend $5,000 on purchases in the first 3 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
United℠ Explorer Business Card		50,000 miles after spending $5,000 in the first 3 months plus 50,000 after spending $25,000 total in the first 6 months	2x miles at restaurants, gas stations and office supply stores, 2x miles on United and 1x miles on all other purchases	$95		Earn 50,000 miles after spending $5,000 in the first 3 months. Earn another 50,000 miles after spending $25,000 total in the first 6 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card		40,000 points after spending $1,000 in the first 3 months plus 20,000 points after spending $12,000 in the first 12 months	2x points on Southwest Airlines and 1x points on all other purchases	$99		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months, plus 20,000 points after spending $12,000 on purchases in the first 12 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card		40,000 points after spending $1,000 in the first 3 months plus 20,000 points after spending $12,000 in the first 12 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149		Earn 40,000 points after you spend $1,000 in the first 3 months of account opening, plus 20,000 points after spending $12,000 on purchases in the first 12 months.	See offer on creditcards.com View details	Compare	loading Fetching your data...

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How do I activate Chase Offers?

There’s no activation required. Just download the Chase Mobile app or the Chase Pay app and you automatically start getting deals. However, if you rarely use your Chase credit card, you may not get any deals.

What types of deals will I find with Chase Offers program?

You’ll mostly find Chase deals tailored to your spending. The more you use your card, the more offers you’ll get. Examples include deals of up to 30% back at Staples with a $19 maximum, 5% back at Starbucks, 10% back at Dunkin’ Donuts, 10% back at Panera Bread and more.

What are the drawbacks?

Using the Chase deals is an excellent way of earning additional cash back. However, there are some drawbacks to consider.

• Deal activation. You have to activate a deal to earn cash back.
• Deal expiration. Add your chosen offer to your card and use it before the offer expires
• Deal use. You can only use each Chase deal once.
• Offers vary. The offers you get are tailored for you. You may not get the same deals as other cardmembers.
• Watch the deal’s terms. Make sure you read the deal’s terms to avoid surprises.
• Receiving statement credit. Getting the cash back as a statement credit isn’t instant. You have to wait up to 14 days to receive it.

How to maximize Chase Offers program earnings

You can earn solid cashback rewards by using the Chase deals. But there are ways to earn even more cash back on your purchases. For example:

• Use the right card. If you have multiple Chase cards and you get the same deal on both, use the card with higher rewards.
• Buy gift cards. These can give you high value. But make sure you read the deal’s terms to find out if gift cards are an eligible purchase.
• Use an online shopping portal. Earn additional cash back by shopping through an online rebates portal such as Ebates.

Bottom line

The Chase Offers program and its tailored deals is an excellent way to earn cash back on your everyday purchases. Just make sure to activate the Chase deals and use the right card to maximize your rewards.

If this program isn’t right for you, compare other rewards credit cards to find something that’ll better suit your needs.

Frequently asked questions

• Is the statement credit you receive taxable income?

  No, since this is a reduction in the price of goods and services it doesn’t require 1099 reporting.

• Are there penalties for not using an offer?

  No, there’s no penalty. If you don’t use an offer, it will expire.

• Is there a limit of the number of deals I can add to my account?

  No, you can add as many deals as you like.

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Kliment Dukovski

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Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.