How to Find Your Chase Offers and Maximize Them to Save Money [Step-By-Step]

Chase Offers

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Chase is home to some of the best travel rewards credit cards out there, and I personally love using Ultimate Rewards points. However, one of the things I always thought was lacking with Chase was a program similar to Amex Offers.

If you aren’t familiar with Amex Offers, these are deals and discounts that come with each of your American Express credit cards. Amex Offers usually consist of discounts or bonus Membership Rewards points for purchases at select locations. They’re easy to use and can really add value to your American Express credit cards.

Thankfully, Chase has finally added a similar program — Chase Offers. These offers aren’t as well known as Amex Offers and may be a tad harder to find. But they’ll be sure to add some value to the Chase credit cards in your wallet.

In this post, I will show you how to find and use your Chase Offers to save money!

What Are Chase Offers?

Chase Offers are deals and discounts offered by Chase through the Chase website, Chase mobile app, or Chase Pay app. You don’t need to register or apply for anything or keep track or any coupons or vouchers — just activate the offer and use your Chase credit card to pay at the selected location.

After successfully using a Chase Offer you’ll see a statement credit on your account within 7-14 business days.

This program is currently only available in the U.S. The offers are targeted based on how and how much you use each of your credit cards. So, if your card is brand new or you don’t use it much, you might see fewer offers than someone who uses their card more often.

Different Chase Credit Cards
Chase Offers are available through co-branded and Ultimate Rewards earning cards. Image courtesy of

What Kinds of Offers Will You Find?

Chase Offers are ever changing. Offers are added often and each offer has an expiration date as well.

Here are some examples of the types of discounts you can expect to find through Chase Offers (these are subject to change and aren’t available to everyone):

  • ADT: $100 back
  • Shipt: $10 back
  • Walmart grocery pickup: $5 back
  • Kindle: 20% back
  • Dick’s Sporting Goods: 10% back
  • Casper: 10% back
  • Pottery Barn Kids: 10% back
  • Blue Apron: 10% back
  • Piada: 10% back
  • Stitch Fix: $5 back

What Credit Cards Come With Chase Offers?

Chase Offers can be found on any of Chase’s co-branded credit cards and are in addition to Ultimate Rewards earning credit cards.

However, you might not see offers on all of your cards. They’re targeted, so your offers could be different than mine even if we have the same credit card.

When this program was rolled out in late 2018, it wasn’t offered to every Chase customer, so there’s still a small chance that you won’t see Chase Offers on any of your cards (although this is fairly unlikely).

Look out for Chase Offers if you have any credit card issued by Chase. Here are some of our favorites:

Recommended Chase Cards (Personal)

Chase Sapphire Preferred® Card - This is our favorite beginners travel rewards card, which is currently offering Chase's best offer ever of 100,000 point bonus after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

The card earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases, plus more. Enjoy a $50 annual Ultimate Rewards Hotel Credit, and other travel benefits such as excellent travel insurance coverage, including car rental insurance and no foreign transaction fees, this card is a very rewarding card.
Chase Sapphire Reserve® - This premium card will get you access to 1,300+ airport lounges. as well as a number of other card benefits. The current sign up bonus is 60,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $550 annual fee. As an extra bonus, until 12/31/21, gas station & grocery store purchases will also count towards earning your Travel Credit.

Earn big with this card, 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.
Chase Freedom Unlimited® card - A solid, no annual fee card that earns you a $200 bonus after you spend $500 in your first 3 months. Earn 5% cash-back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, and 5% on travel purchases through Chase Ultimate Rewards. Then earn 3% cash-back on dining and drugstore purchases, and 1.5% cash-back on all other purchases, but you won't get any travel benefits with this card.

Recommended Chase Cards (Business)

Ink Business Preferred® Credit Card - this is our #1 recommended business card and right now comes with a 100,000 sign up bonus after you spend $15,000 on purchases in the first 3 months after account opening. This bonus is worth $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®. Pay your cell phone bill with this card to receive up to $600 in cell phone insurance coverage per year; as well as a number of other benefits.

Earn 3x on the first $150,000 spent on travel and select business categories each account anniversary year, plus 1x on all other purchases — with no limit to the amount you can earn. All for an annual fee of $95.
Ink Business Cash® Credit Card - Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

This no annual fee business card earns up to 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, plus 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary.
Ink Business Unlimited® Credit Card - Earn unlimited 1.5% cash back rewards on every purchase made for your business.

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. There's no annual fee.

If you have multiple Chase credit cards, you’ll likely see offers on more than one card. I currently have 4 Chase credit cards and all 4 have Chase offers available.

Chase Offers are also available on Chase debit cards — but don’t forget you’ll miss out on valuable points and perks when you opt to use a debit card instead of a good travel rewards credit card!

Hot Tip: Chase Offers are available through Chase’s co-branded cards as well as cards that earn Ultimate Rewards points. However, the offers are targeted so they’ll vary person to person.

How to Use Chase Offers

How to Find Your Chase Offers

Locating Chase Offers is easy once you know where to look. The first thing you should know is that they’re only available through the Chase Mobile app or the Chase Pay app. You’ll need to download at least one of these apps before you can take advantage of Chase Offers.

Using Chase Offers Through the Chase Mobile App

To find Chase Offers through the Chase Mobile app, begin by logging in to the app. Scroll down to the bottom of the page underneath the list of your credit cards and you’ll see Chase Offers.

Click on See all offers to see everything that’s available for each of your credit cards.

Chase Offers Main Page
Image courtesy of the Chase Mobile App.

Here you’ll see the offers for the credit card that’s showing on the top of your screen. To see offers for a different card, click on the drop-down arrow at the top right of your screen. This will bring up a list of your current Chase credit cards that you can scroll through to select a different card.

Chase Offers
Image courtesy of the Chase Mobile App.

To activate an offer just click on Add to card under the offer you’d like to use. Doing this will bring up a screen that will list all of the offer details, plus you’ll see confirmation that this offer was added to your card.

Chase offers terms and conditions
Image courtesy of the Chase Mobile App.

To use an offer just pay for your purchase with your selected credit card as usual. You’ll see a statement credit within 7-14 business days. You might see the same Chase offer on a few different cards you have so be sure to use the card that you added the offer to!

For example, if you have an offer available on on both your Chase Sapphire Preferred® and your Chase Freedom Unlimited® but activate it on your Chase Sapphire Preferred, then you need to use the Sapphire Preferred to take advantage of that offer.

Using Chase Offers Through Chase Pay

To find Chase Offers through the Chase Pay app, begin by logging in to the app. You’ll be able to find Chase Offers in a few different places.

First, in your activity snapshot on the main page of the app where you’ll see Available offers in the In The Spotlight section. Click on the arrow to the right of Available offers to see a list of Chase Offers.

Chase Pay Activity Snapshot
Image courtesy of the Chase Pay App.

To see offers for your other credit cards, click on the drop-down arrow to the right of your credit card at the top of the screen.

To add an offer to your credit card, just click Add to card to the right of each offer. You’ll then see the terms and conditions of the offer along with confirmation that it was successfully added to your card.

Chase Offers
Image courtesy of the Chase Pay App.

Another way to find your Chase Offers is to click on Find at the bottom left-hand corner of the main screen. You’ll see a few offers here or you can select See all at the top right-hand side of the screen to see the full list of offers for each of your credit cards.

Chase Pay
Image courtesy of the Chase Pay mobile app.

Bottom Line: To access your Chase Offers, download either the Chase mobile app or the Chase Pay app. Offers for each of your Chase credit cards will be available through either of these apps.

Maximizing Chase Offers

One of the greatest aspects of Chase Offers is that they don’t affect your ability to earn other rewards or discounts.

You’ll still earn any credit card points you usually would when you use Chase Offers. Plus you can still shop online through a shopping portal like the Chase shopping portal or even Ebates.

In addition, if the Chase Offer involves shopping at a physical location instead of online, you can still use any discounts or coupons as you usually would!

Bottom Line: Since the discounts that you’ll earn from Chase Offers happen on the back end in the form of a statement credit, you can combine these offers with any other deal, coupon, discount, online shopping portal, or sale!

Final Thoughts

You now have more ways to save money using your Chase credit cards. Chase Offers are available on co-branded cards as well as Ultimate Rewards earning cards.

These offers can be activated through the Chase Mobile app or the Chase Pay app. Once activated, just use the selected Chase card at that merchant and you’ll see a statement credit within 7-14 business days.

Chase Offers can be used in conjunction with other coupons, deals, and shopping portals, and you’ll still be able to earn credit card points on your purchase!

Frequently asked questions

What is a Chase Offer?

A Chase Offer is a discount offered by Chase through the Chase Mobile app or the Chase Pay app. In both of these apps you will find a list of discounts that you can add to your Chase credit card. Then use that card at the specified merchant and you will see a statement credit in your account within 7-14 business days. This program is similar to Amex Offers which is available through American Express credit cards.

How do I use Chase Offers?

Using Chase Offers is easy. Just log in to the Chase mobile app or Chase Pay app. In either of these apps you will see a list of offers that you can add to each of your Chase credit cards. Just click Add to card then use that card at the specified merchant. You will see a statement credit within 7-14 business days. Be sure to read each offers terms and conditions for specifics on the offer including expiration date.

Can I use Chase Offers through Chase's website?

Yes, Chase Offers can be activated through either the Chase mobile app, the Chase Pay app, or the Chase website.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. I actually got these offers on my Chase Debit Card.


  2. I can’t find my Chase Reward points on my iPad.


  3. I see chase rewards points on my android phone but I don’t see that on my iPad either. Also, whenever I click the Chase offers on my business credit card, the app crashes


    • Hi Justin,

      Have you tried updating your Chase Mobile app to the newest version? In any case, this may be an issue you’ll have to contact Chase about.


    • Justin,

      Did you get this to work? Crashes for me too, on my business cards, not personal.


  4. This is something I recently came across. So apparently, when you add an offer, there is no way to actually see what offers you added (almost like a pending area of list). Once it is added and you use it, I am guessing that is the only time you can see the offer go through and give you credit. Am I correct in writing this?

    Like for instance, if you added an offer, would you be able to see an offer in a pending state, before you get the credit? This would be helpful for an individual if they added multiple and they forget that they added them on their card if they ever want to go back and wonder what card or account they had put it under.

    I would also like to mention that this is not through any mobile app, this is strictly through the online Chase website.

    Let me know.


    • You can actually see which offers have been added by looking at the list of offers. The ones at the end of the list will say “added” on them. This is not a logical system but I too was wondering and accidentally discovered it recently.


  5. Elizabeth Green December 28, 2019

    I had an offer for 10% back for using AirBnB. I charged $1100 on my card but only got $28 back which is obviously not 10%. I’m confused as to how this works. Can anyone help?


    • Hi Elizabeth. Many of the offers have a cap as to how much you can get back. It’s possible that $28 was the maximum. I had an AirBnb Chase Offer that was 5% back, maximum of $10.


  6. I really wish these offers would be automatically added to my cards. It is so annoying to be required to log into my account and view/add each offer individually. Chase really does enjoy offering “perks” that provide no value unless you jump through hoops to redeem.


  7. Just don’t trust Chase. I have been trying to get 2 offers honored for a month, all after speaking with the merchant as well as twice with Chase before the purchases to make sure all was done correctly. Sure enough, didn’t go through but had been told not to worry (of course), but just to call. Well, you can’t speak to “the rewards team”. Customer service even has to email them. Takes forever to get a hold of anyone & when they finally work something out (only 1 of them honored right now), even though Chase offered and it’s their mistake, you don’t get the credit till the next billing period. And the offer I haven’t got credit for yet I finally get a letter stating they can’t locate the offer to please provide a screenshot. And of course, as I told them before purchasing, I was afraid not only of ALL of this hassle but ultimately the offer would no longer be there by the time they look into it or it would be significantly less than the original offer when I purchased… which is the case now. Just don’t use them. Use another bank with higher cash-back.


    • I add them to my cards all the time and make sure to specifically use the card for the deals and not once have I got my reward. I assume I’m not spending enough but I can’t find anything that says how much you need to spend to start getting rewards.


      • Hi Erica. When you add the Chase Offer to your card, a pop-up tells you the amount you need to spend and the maximum rebate amount. You can also log in to your account and look at all the offers, click on the 1 you’re curious about and it will show you the requirements.


  8. I made a purchase a few days ago and just saw that there was an offer for that company and added it. Does this work retroactively? Anyone know?


  9. I clicked on an offer to look at what it was and now it was added to my card and don’t know what to do I’ve clicked on it trying to remove it but nothing works. Please help, I can not afford this!


    • Hi Kim,

      Chase offers do not charge anything to your card. They do not cost money. Chase Offers offer you the opportunity to save money if you end up spending money with the merchant the offer is for.


  10. I no longer see idea in my Chase app or on the website. Did Chase discontinue the offers benefit?


    • Hi David,

      My Chase Offers are still showing on both the website and the mobile app. Have you tried contacting Chase about the issues you’re having?


      • What’s up with the FAQ: No, Chase Offers must be activated through either the Chase mobile app or the Chase Pay app. You can’t access Chase Offers through the Chase website


        • Hi jj,
          Thanks for pointing this out. This program has been updated and is now accessible through the Chase website so we have updated our article to reflect this.


  11. I accidentally clicked on one of those offers and I can’t seem to get rid of it now. It’s supposed to be a membership that will charge me every month. Will I get charged for it? I don’t want it. Is there a way to get rid of it?


    • Hi Daniela,

      You are not charged for any Chase Offers that you add to your card. You have to make a purchase with the merchant in order to be charged.


  12. I have the starbucks offer. I used it but it still is showing. Do they not disappear once used? Or was it reloaded?



    • Hi Amy,

      Was the Starbucks offered your received for a one-time use? Usually, if it is a one-time use it might still show but it will say “Redeemed” to show you’ve already used it.


Any thoughts or questions? Comment below!

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