finder.com
US
AU
NZ
UK
CA
SG
More

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How to use the Chase Offers program

Get personalized deals and cash back on purchases.

Kliment Dukovski
Kliment Dukovski

Updated . What changed?

Fact checked

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's in this guide?

What is Chase Offers?

Chase Offers is a cashback program where you receive cashback deals tailored to your spending habits. These deals are listed on your account and are separate from any rewards your card might usually earn on a purchase. For example, activating a Chase Offer on Starbucks might earn you 5% back in addition to the standard 1%. These deals can go as high as 30%.

These deals feature expiration dates, so you only have a limited time to activate and redeem them. As a result, you’ll see a rotating selection of Chase Offers from month to month. Some of these deals also have specific spending requirements, such as limiting your reward to purchases of a certain product or purchase method. These requirements are listed on each Chase Offer deal.

How do I activate Chase Offers?

To activate a Chase Offer, you’ll need to do the following:

  1. Log in to your account on the Chase website or through the Chase app.
  2. On your account main screen, you should see your current Chase Offers listed on the right sidebar. You can click the arrows to scroll through offers or click See all offers to browse available offers.
  3. If you’re using the Chase app, you can find this section by scrolling to the very bottom of the app home account page.
  4. To activate a deal, simply click Add to card.
  5. You can then make your purchase according to the offer’s requirements to earn your reward.

Deals have expiration dates, so you’ll need to make your purchase before the set date. For example, if you get a deal on your Chase Freedom Unlimited®, you must use your Chase Freedom Unlimited® to get the rewards.

Chase offer program screenshot

Chase offer program screenshot 2

Can I use offers online?

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

Which credit cards can I use?

You can use most Chase credit cards to get the offers, but you need to use your card often. Otherwise, you may not get any deals or you could get only a few. Most Chase Ultimate Rewards cards will have access to this service.

How long do offers last?

Most offers last up to 30 days after they first appear on your app. You can only use selected deals once. Typically, you can pay in store, online or with the Chase Pay app.

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

You’ll find a variety of potential deals with Chase Offers, with many tailored to your spending. The more you use your card, the more offers you’ll get. These deals tend to cover shopping and services. A few examples based on our recent research includes:

  • 20% back on your next Kindle purchase
  • 10% back on an eligible Norton product
  • 10% back on an Audible membership
  • 5% back on your next drive thru Starbucks purchase
Back to top

Your rewards are issued as statement credit

One thing that might surprise you is that your Chase Offers bounties come as statement credit — that is, they reduce your credit card balance. In this sense, it’s not as flexible as Amex Offers. The latter sometimes offers Membership Rewards points.

Compare credit cards with Chase offers

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Apply now
View details
Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
$200 after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Apply now
View details
Chase Freedom Unlimited®
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Apply now
View details
loading

Compare up to 4 providers

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 a 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.
  • Always be on the lookout for new offers. If you check your Chase Offers regularly, you may be able to find numerous opportunities to earn attractive statement credits. Over time, this can lead to great savings.

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.
Back to top

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

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site