How to use the Chase Offers program

Get personalized deals and earn cash back on purchases.

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 Chase Offers program?

Chase Offers is a cashback program where you get deals tailored to your spending habits. Typically, 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 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.

Compare Chase credit cards with special-offer programs

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Name	Product	Welcome Offer	Rewards	Annual Fee
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. 1x points on all other purchases	$450	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.	Apply now 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. 1x points on all other purchases	$95	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.	Apply now View details	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card		80,000 points after spending $2,000 in the first 3 months; 40,000 points after spending $5,000 in the first 6 months; 10,000 points after spending $20,000 each anniversary year	10x points at IHG hotels, 2x points on gas, groceries, and dining. 1x points on all other purchases	$89	80,000 points after spending $2,000 in the first 3 months plus 40,000 points after spending $5,000 in the first 6 months. Plus earn 10,000 bonus points after you spend $20,000 on purchases and make each additional purchase each account anniversary year.	View details	Compare	loading Fetching your data...

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How do I activate Chase Offers?

Just download the Chase Mobile app or the Chase Pay app to automatically get deals. Scroll to the bottom to see what’s offered.Back to top

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

Can I use offers online?

Yes, in general, you can use your deals online, in-store or with your digital wallet. But it’s always best to check the deal’s terms before activating a deal.

What are the drawbacks?

• Deal activation. You have to activate a deal to earn cash back.
• Deal expiration. Deal expiration.
• Deal use. You can only use each 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

• 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 like 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 deals and use the right card to maximize your rewards.

There are similar rewards programs. Check them out and compare your options.

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.