How to maximize spending with Chase Offers

Chase credit cards are some of the most popular available today, and it’s easy to see why. Not only do many of their cards let you earn Chase Ultimate Rewards points, which are some of the most flexible points out there, but they also offer 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 the 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. Also, remember that the cash back you earn with Chase Offers is given on top of the rewards you earn just by paying with your Chase credit card.

How do Chase Offers work?

These offers usually come in the form of a percentage of cash back if you spend a certain amount, although an expiration date and other fine print will apply. Some Chase Offers also offer a flat rate of cash back if you make a certain type of purchase with a participating retailer or service provider.

Keep in mind Chase offers change all the time, and the one you like may only be there once, only to disappear later. Here are a few recent examples of Chase Offers we have seen:

  • 10 percent back at Pizza Hut ($4 maximum)
  • $75 back when you install an ADT home security system
  • $10 back when you purchase a Walmart + membership
  • 10 percent back when you rent a car from Hertz ($49 maximum)

Limitations to keep in mind

While Chase Offers is free and easy to use, you should know about all 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.

Case in point: This Pizza Hut offer advertises 10 percent back, but the fine print reveals your total cash back is limited to $4.

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 name Rewards earned New cardmember offer Annual fee
Chase Sapphire Preferred® Card Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more. 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening $95
Chase Sapphire Reserve® Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent 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 activated bonus category purchases each quarter (up to $1,500, then 1%); 5% back on Chase Ultimate Rewards travel purchases; 5% back on Lyft rides (through March 2022); 3% back on dining and drugstore purchases; at least 1% back on other purchases $200 cash bonus if you spend $500 in the first three months $0
Chase Freedom Unlimited® 5% back on travel purchased through Chase Ultimate Rewards; 5% back on Lyft purchases (through March 2022); 3% back on dining; 3% back on drugstore purchases; at least 1.5% back on purchases $200 cash bonus if you spend $500 in the first three months $0
Ink Business Cash® Credit Card 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on 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 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; 1X points on everything else 100,000 bonus points if you spend $15,000 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 into your account at 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.

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.

With that being said, 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.

For example, 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.

In the meantime, you should also look for other ways to maximize the rewards you earn with your rewards credit card. Check for top credit cards and sign-up bonus offers, and keep your eye out for limited-time offers. Above all, use your rewards credit card for all your regular spending and bills and pay your balance in full each month so you never pay a dime in interest.