How to maximize spending with Chase Offers

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Chase offers an abundance of rewards credit cards geared to consumers who want to earn cash-back, travel rewards or points redeemable for gift cards and merchandise.

Now, in addition to its standard credit card benefits offerings, Chase has another program meant to bolster cardholders’ rewards earnings: Chase Offers.

With Chase Offers, you can “double up” on rewards earned with your credit card, but the added perks don’t come automatically. Here’s everything you need to know about how to earn extra discounts using Chase Offers:

What are Chase Offers?

Chase Offers is part of the Chase Ultimate Rewards program, and it works similarly to the American Express Amex Offers feature. When you have a Chase credit card, Chase Offers presents you with an array of “deals” you can choose to apply to your account. These deals are usually presented as a percentage of cash back on purchases at participating stores, although they can also come in the form of a flat rate of cash back.

A few examples of recent Chase Offers include:

  • 5 percent back on any Airbnb reservation, up to a $28 maximum
  • 10 percent back at Jimmy John’s, up to a $2 maximum
  • 20 percent back on Sun Basket purchases, up to a $24 maximum

Chase Offers tend to limit the amount of cash back you can earn. Also note that offers change all the time, so the offers you see today won’t necessarily be the same next week or next month.

Still, Chase Offers can add great value to your Chase card for a few reasons:

  • You can access Chase Offers for free
  • These offers work in conjunction with your rewards credit card, letting you maximize rewards even more
  • Chase Offers are easy to add to your credit card account

How to use Chase Offers

Activating Chase Offers for your credit card is simple; all you have to do is log into your online account or mobile app to see which Chase Offers are available to you. From there, click “Add to card” on any offer that interests you. If you make an eligible purchase within the time period your Chase Offer is valid, the cash back will be credited to your account without any additional work on your part.

Your Chase Offers may be different than the next person’s, so never assume you have the same offer and rewards cap as someone else. For example, the Chase Offer for 5 percent back on Airbnb purchases is fairly popular in 2020, yet the maximum amount you can earn may be different from one account to the next. Carefully read the terms and conditions of the offer in your account to know how much you could save.

Also remember that Chase Offers all expire, and you must use them before the expiration date or you’ll lose them. The good news is, Chase makes the terms and conditions of each offer very clear when you add it to your card, so there shouldn’t be any surprises.

Which credit cards have Chase Offers?

Chase Offers comes with all Chase credit cards, although offers can vary from card to card and from person to person. Your Chase Offer won’t affect your card’s regular rewards rate: these offers are extended on top of the rewards you earn on regular spending.

Here are a few popular Chase credit cards with which you can use Chase Offers:

Card name Rewards earned New cardmember offer Annual fee
Chase Sapphire Preferred Card 2X points on travel and dining, 5X points on Lyft purchases (through March 2022), 1X points on all other purchases 80,000 bonus points if you spend $4,000 in the first three months $95
Chase Sapphire Reserve 3X points on travel and dining, 10X points on Lyft purchases (through March 2022), 1X points on all other purchases 50,000 bonus points if you spend $4,000 in the first three months $550
Chase Freedom Flex℠ 5% cash back on up to $1,500/quarter in rotating bonus category purchases (then 1%), 5% back on Lyft purchases (through March 2022), 5% back on travel purchased in Ultimate Rewards portal, 3% back on dining and drugstore purchases and 1% cash back on all other purchases $200 bonus if you spend $500 in the first three months $0
Chase Freedom Unlimited® 5% back on Lyft purchases (through March 2022), 5% back on travel purchased in Ultimate Rewards portal, 3% back on dining and drugstore purchases, 1.5% cash back on all other purchases  $200 bonus if you spend $500 in the first three months $0
Ink Business Cash℠
Credit Card
5% cash back on up to $25,000/year combined spending at office supply stores or internet/cable phone services and on Lyft purchases (through March 2022); 2% cash back on up to $25,000/year at gas stations and restaurants; 1% cash back on all other purchases $500 cash back if you spend $3,000 in the first three months $0
Ink Business Preferred® Credit Card 3X points on the first $150,000/year combined purchases on travel, shipping, internet/cable/phone services, and advertising purchases made with social media sites and search engines and 5x points on Lyft purchases (through March 2022); 1X points on all other purchases 100,000 bonus points if you spend $15,000 in the first three months $95

 

Maximize spending with Chase Offers

Since Chase Offers are extended on top of the rewards you earn with your credit card, it’s easy to save just by taking a few minutes to browse and add applicable offers to your account. Add any offers you think you may use to the credit cards you use for most of your spending to save on the items you’d purchase anyway.

Here are some additional ways to maximize your Chase Offers.

Earn more through the Chase shopping portal

Chase’s shopping portal lets you earn bonus points or cash back when you click through to shop at participating stores. Like Chase Offers, shopping through this portal helps you earn additional points or cash back on top of the rewards you earn with your credit card. These stores and earning rates change all the time as well, so you’ll want to check your Chase account to see which stores are included any time you shop online.

Sometimes, Chase Offers will align with a store in the Chase shopping portal, which means you can stack bonus points earned by clicking through the portal with your activated Chase Offer when you make a purchase with your card.

Use other cash back portals

You can also grab additional rewards by using other cash back portals to earn rewards at stores with Chase Offers. Rakuten is a good portal to consider that may have stores that align with Chase Offers from time to time, along with the newer Wikibuy cash back portal.

If you’re planning a large purchase, do some research into what discounts different online portals may offer before making your decision.

Align Chase Offers with credit card bonus categories

Finally, make sure you line your Chase Offers up with your credit card bonus categories, such as dining or a specific department store, especially if you have multiple Chase cards in your wallet. If you have the Ink Business Cash Credit Card and an office supply store is included in Chase Offers, for example, you could earn 5 percent back (up to limits) by paying with your credit card and take advantage of the Chase Offer at the same time.

The same is true for the Chase Sapphire Reserve and dining or travel merchants. The card already offers 3X points in these categories, and you can frequently find Chase Offers for restaurants and travel companies.

Bottom line

Make sure to check the Chase Offers in your account frequently so you can maximize them when applicable offers for your favorite retailers come along. If you never check your account or add a Chase Offer to your credit card, you’re leaving money on the table.