Skip to Main Content

How to maximize spending with Chase Offers

woman looking at a phone outside
Olivia Mortimer/Getty Images
Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Chase credit cards are some of the most popular rewards cards available today, and it’s easy to see why. Many of its cards let you earn Chase Ultimate Rewards points, which are some of the most flexible points out there. Chase also offers popular cash back credit cards, co-branded hotel and airline cards and credit card options for small business owners and entrepreneurs.

Interestingly, there is more than one way to use Chase credit cards to rack up cash back or rewards points. You can absolutely earn points or miles on your spending, but another program — known as Chase Offers — lets you “double dip” if you’re willing to take a few simple steps.

What is Chase Offers?

Chase Offers is part of the Chase Ultimate Rewards program, and it works similarly to American Express’ Amex Offers feature. When you get approved for any Chase credit card, you’ll have access to an array of Chase Offers “deals” that you can apply to your account if you want.

There are a few key reasons Chase credit card offers are worth pursuing. First, these offers are free to use and are preloaded within your online account management page or the Chase mobile app. In addition, the statement credits you earn with Chase Offers are given on top of the rewards you earn just by paying with your Chase credit card.

How does Chase Offers work?

Chase Offers are typically advertised as a percentage back on purchases with select merchants or a specific amount of cash back. There’s typically either a maximum amount you can earn, a specific spending requirement or both. Keep in mind Chase Offers change all the time, and the one you like may appear once, only to disappear later. Here are a few recent examples of Chase Offers we have seen:

  • 10 percent back on Chipotle purchases ($3.00 back maximum)
  • 10 percent back on Clinique purchases ($9.00 back maximum)
  • $5 back on your Amazon Music subscription (when you spend $8.99 or more)
  • 10 percent back on your Total Wine & More purchases ($11.00 back maximum)
  • $50 back when you spend $49.99 or more and switch to Xfinity

Limitations to keep in mind

While Chase Offers is free and easy to use, you should know the fine print and limitations.

Expiration dates

First, you’ll notice that Chase Offers all have an expiration date, and sometimes the date is only a few weeks (or a few days) from when the offer shows up in your account. For this reason, you should go ahead and add any Chase Offers you like to your card. There’s no penalty for letting an offer expire without using it, so you might as well.

Chase Offers are highly variable

Also, keep in mind that Chase Offers are tailored to each customer, so your friend may have access to better (or worse) offers than you do. They could have totally different offers altogether or Chase Offers from the same retailers but in different amounts.

Cash back comes with limits

Finally, don’t get too excited when you see offers that say 10 percent back or 20 percent back — at least not until you read the fine print. A lot of offers that advertise a percentage back are limited to $10 back or less on any size order (and sometimes just $2 back).

While earning $2 in cash back is certainly better than nothing, make sure you know the caps for these offers so you don’t get your hopes up.

Which credit cards have Chase Offers?

Chase Offers are available on all Chase credit cards, although offers can and do vary from card to card and person to person. Also, note that your Chase Offer won’t affect your regular rewards rate. Regardless of whether you apply a Chase Offer to your card or not, you’ll still earn the exact amount of cash back or other rewards you expect.

Here are a few popular Chase credit cards that let you apply Chase Offers:

Card Rewards Welcome bonus Annual fee
Chase Sapphire Preferred® Card
  • 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
  • 5X points on travel through Chase Ultimate Rewards and Lyft Rides (Lyft offer valid through March 2025)
  • 2X points on general travel
  • 1X points on all other purchases
60,000 bonus points after spending $4,000 on purchases in the first three months from account opening $95
Chase Sapphire Reserve®
  • 3X points on general travel and restaurant purchases
  • 10X total points on Lyft purchases (through March 2025), Chase Dining purchases through Ultimate Rewards and hotel stays and car rentals through Ultimate Rewards
  • 5X points on air travel through Ultimate Rewards (after earning your $300 travel credit)
  • 1X points on all other purchases
60,000 bonus points after spending $4,000 on purchases in the first three months from account opening $550
Chase Freedom Flex℠
  • 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then %1), on Chase Ultimate Rewards travel purchases and Lyft rides (through March 2025)
  • 3% cash back on dining (including restaurants, takeout and eligible delivery services) and drugstore purchases
  • 1% cash back on all other purchases
$200 cash bonus after spending $500 in the first three months from account opening $0
Chase Freedom Unlimited®
  • 5% cash back on Lyft purchases (through March 2022) and on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
Earn an additional 1.5% cash back on top of all purchases’ original cash back rate, on up to $20,000, for the first year (offer through Bankrate) $0
Ink Business Cash® Credit Card
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores, internet, cable and phone services each account anniversary year
  • 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% back on all other purchases
$750 bonus cash back when you spend $7,500 on purchases in the first three months $0
Ink Business Preferred® Credit Card
  • 3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points)
  • 1X points on all other purchases
100,000 bonus points after spending $15,000 on purchases in the first three months from account opening $95

How to add Chase Offers to your card

You can find Chase Offers when you log in to your account at Chase.com. Generally speaking, they’ll be found on the right hand of your screen next to the details for each of your credit card accounts.

To see your offers, all you have to do is click on the prompt to “See all offers.” From there, you’ll be taken to a separate page with all the Chase Offers you’re eligible for.

screenshot of chase offers

At this point, you can simply click on any Chase Offers you think you could use. When you do, the Chase Offer will be automatically applied to your account. If you make an eligible purchase within the time period your Chase Offer is valid, the cash back will be automatically credited to your account. If not, your Chase Offer will expire and fall off your account.

Maximize spending with Chase Offers

Since Chase Offers are given out on top of the rewards you earn with your Chase credit card, you should take advantage if you can. After all, you only need to check your account every once in a while and click on the ones you want. If you happen to use them, then the cash back will be automatically applied to your account with no work on your part. Here are some additional ways to maximize your Chase Offers:

Earn more through the Chase shopping portal

Chase’s shopping portal is another tool that helps you earn points on eligible purchases, and you can use this portal in conjunction with Chase Offers. Like Chase Offers, Shop Through Chase helps you earn additional points or cash back on top of the rewards you earn with your credit card.

Let’s say you have a Chase Offer in your account from Shutterfly, but at the same time, Chase is offering bonus points in its portal for purchases from the same place. In that case, you could add the Chase Offer to your account, click through the Chase portal to shop at Shutterfly and then earn triple rewards — rewards earned with your credit card, bonus points through the Chase portal and cash back from the Chase Offer you applied.

Use other cash back portals

You can also score additional rewards by using other cash back portals to earn rewards at stores that show up in your Chase Offers. Rakuten is a good portal to consider that may have stores that align with Chase Offers from time to time, yet you should also check out Cashback Monitor and TopCashBack.

Align Chase Offers with credit card bonus categories

Finally, you should take extra care to line up Chase Offers with the bonus categories your credit card offers, such as travel or dining. For example, you could add any number of Chase Offer restaurant deals to a card like the Chase Sapphire Preferred. In that case, you would score the Chase Offer and also earn 3X points on dining and 2X points on general travel purchases.

The bottom line

Make sure to check the Chase Offers in your account frequently so you can maximize them when offers for your favorite restaurants and retailers come along. If you fail to do so, you’re definitely leaving “free money” on the table. And if you own additional credit cards outside of Chase, read up on other credit card special offers and limited-time promotions that may apply to you.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
Edited by
Editor, Product