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How to Use Chase Offers to Maximize Your Savings

Chase Offers can help you save money on purchases you’re already making with Chase cards. See how easy it is to start using these offers and saving money.

Updated Dec. 3, 2024
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Imagine getting exclusive access to money-saving offers with little effort. If you have a Chase card, including a debit card, you’re likely eligible to participate in the Chase Offers program and save money on many types of purchases with your card. This is an added benefit for both Chase personal cards and Chase business cards.

In this Chase Offers guide, we’ll cover what Chase Offers are and how they work, as well as which Chase cards participate in this program. This will help you understand how using this free program can help you save on purchases you may already be making.

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What is Chase Offers?

Chase Offers is a free discount program offered by Chase that’s available to most Chase cardholders. It’s similar to offer programs you might find with other credit card issuers, such as Amex Offers from American Express.

Chase will periodically provide different offers you can add to your card account. These offers are easily accessible in your online Chase account on a web browser or through the Chase mobile app. Once an offer is added, simply use the applicable card at the specified retailer and you’ll automatically receive a statement credit in seven to 14 business days.

You don’t have to register or apply to gain access to Chase Offers, as most people are automatically enrolled if they have a Chase card. However, you do have to add the offers manually. Keep in mind that different Chase cards may have different offers. To redeem a specific offer, you have to use the card associated with that offer.

It can be worth it to check whether any Chase Offers align with your typical spending habits because this could help you save money on purchases you were going to make anyway.

What types of offers are available through Chase Offers?

The Chase Offers program provides a wide variety of offers for different types of retailers, which could range from restaurants to grocery pickup services to electronics stores. And if you have multiple Chase cards, you might see a wider variety of offers. For example, check out this Chase card with 24 different offers available:

And then this card with four different offers available:

A few of the offers overlap, but some of the offers are different between the two cards. Also, one card has six times more offers than the other. There’s likely a complicated algorithm behind why certain cards have more offers than others, but we don’t know the math involved.

If you have multiple cards that each have the same offer on them, you get to use that offer with each of your cards. Keep in mind that every offer has its own terms and conditions. Make sure you check these terms to ensure you use the offer correctly and receive your statement credit. Here’s an example of a Starbucks offer:

Take note of the expiration date and offer details. Once an offer expires, it disappears from your Chase Offers list. This offer is for 10% back at Starbucks, but only up to $3. So up to a $30 Starbucks purchase would be what you’d want to aim for, as anything over $30 would be capped at $3 back.

In addition, this is a one-time-only offer, so you won’t get to redeem it multiple times with your linked card. Also note that this particular offer says you have to make your purchase directly with the merchant, so third-party services like Uber Eats and DoorDash likely wouldn’t earn you a discount. This offer also states that purchases at certain Starbucks locations, including inside airports and hotels, aren’t eligible.

6 credit cards that give you access to Chase Offers

  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Chase Freedom Flex®
  • Chase Freedom Unlimited®
  • Ink Business Preferred® Credit Card
  • Ink Business Unlimited® Credit Card

The majority of Chase cards will likely give you access to the Chase Offers program. This includes cashback cards, travel cards, and business cards. To compare top cards from Chase, check out our list of Chase credit cards.

Here are many of the best credit cards that give you access to Chase Offers:

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is one of the best travel credit cards available, especially if you don’t want a high annual fee. This card earns valuable Chase Ultimate Rewards points, including 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases. In addition, your points are worth 25% more for travel redemptions through the Chase Travel portal.

Learn more about this card in our Chase Sapphire Preferred review.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is like the older sibling of the Chase Sapphire Preferred. It’s one of the best travel rewards credit cards as well, but it’s designed for frequent travelers who want premium perks.

This credit card offers up to $300 in annual travel credits, Priority Pass airport lounge access, and up to $100 in TSA PreCheck or Global Entry fee reimbursement. Plus you earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases. Your points are worth 50% more for travel redemptions through Chase Travel℠.

Learn more about this card in our Chase Sapphire Reserve review.

Chase Freedom Flex®

If you want a cashback card to use on everyday purchases, consider the Chase Freedom Flex. This card offers 3% cash back at drugstore purchases and dining at restaurants (including takeout and eligible delivery service), as well as 5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠.

Rotating categories in the past have included gas stations, grocery stores, home improvement stores, Amazon.com, PayPal, Walmart, and more. In addition, the Freedom Flex is one of a few credit cards with cell phone protection.

Learn more about this card in our Chase Freedom Flex review.

Chase Freedom Unlimited®

The Chase Freedom Unlimited has long been considered one of the best cash back credit cards available. This is likely attributed to its excellent earning potential on daily expenses, like 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. You also get 5% cash back on travel purchased through Chase Travel℠ and 1.5% cash back on all other purchases.

If you don’t want to worry about rotating categories each quarter with a card like the Freedom Flex, the 1.5% cashback rate on all other purchases can make your rewards earning simpler.

Learn more about this card in our Chase Freedom Unlimited review.

Ink Business Preferred® Credit Card

Chase Offers are also available on Chase business credit cards, including the Chase Ink Business Preferred. This card earns 3X points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year and 1X points on all other purchases. Because these bonus categories include many common business expenses, it’s easy to start racking up rewards.

In addition, your points are worth 25% more toward travel redemptions on the Ink Business Preferred.

Learn more about this card in our Chase Ink Business Preferred review.

Ink Business Unlimited® Credit Card

For another Chase Ink Business card option, consider the Chase Ink Business Unlimited. This card doesn’t have bonus categories, but instead earns 1.5% cash back on every purchase. This makes it easy to earn rewards for a wide variety of business purchases, not just a couple of select categories.

Learn more about this card in our Chase Ink Business Unlimited review.

How to redeem Chase Offers

The only way to redeem an offer through Chase Offers is to first add the offer to an eligible card and then use that card to make a purchase at the retailer the offer applies to. Chase Offers can be added to your Chase cards through your online Chase account, either through a web browser or the Chase mobile app.

Redeeming Chase Offers in a web browser

  1. Navigate to Chase.com and log into your online account.
  2. Scroll down your account homepage until you see a “Chase Offers” area and click on “See all offers.”
  3. If you have multiple Chase cards, choose one to see the available offers for that card.
  4. Click on an available offer or the blue plus sign to add the offer to your card.
  5. The plus sign will change to a check mark once the offer is added.
  6. To redeem an added offer, use your linked card to make a purchase at the applicable retailer. For the example above, you would need to make a purchase at 1-800-FLOWERS.COM to earn the 10% back.

Redeeming Chase Offers in the Chase mobile app

  1. Download the Chase mobile app and use it to log into your online account.
  2. Scroll down to the bottom of the homepage and tap on the “Chase Offers” section.
  3. If you have multiple Chase cards, choose one to see the available offers for that card.
  4. Tap on an available offer to add the offer to your card.
  5. The offer will show as “ADDED.”
  6. To redeem an added offer, use your linked card to make a purchase at the applicable retailer. For the example above, you would need to make a qualifying purchase at Chipotle to earn the 10% back.

FAQs

Does Chase have promotional offers?

Yes, Chase has promotional offers available on most Chase credit cards and debit cards. This offer program is called Chase Offers, and Chase customers can access it through their online account on a web browser or through the Chase mobile app. Enrollment in this program is automatic after account opening, but you’ll have to manually add offers to your available credit card accounts to use them.

How can you view Chase Offers?

Chase Offers can be viewed in your Chase cardmember account. Sign into your account through a web browser or the Chase mobile app and look for a “Chase Offers” section. You’re able to switch between different card accounts if you have multiple Chase cards to see the offers available on each one.

How often does Chase add new offers?

Chase periodically adds new offers to Chase cards through the Chase Offers program, but there’s no set time frame on when new offers become available. You could see new Chase offers added after a few days or after a few weeks.

However, many offers will give you around 30 days before they expire, so you have time to use them. This allows you to check for new offers every week or two without missing out on any offers because they expired.

The bottom line

Most Chase credit cards already provide loads of perks and benefits, such as generous welcome offers and earnings categories, but getting free access to the Chase Offers program is an added bonus. Chase has made the process of using this program straightforward. As long as you have access to your online account, all you have to do is add the offers you want and then redeem them using the credit cards with the offers attached to them.

If you’re into budgeting and finding discounts on everyday purchases, this is an easy tool to add to your money-saving collection. For more savvy money moves, check out these clever tips on how to save money.

Great for Flexible Travel Rewards

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Chase Sapphire Preferred® Card

Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI®

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.