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How To Find Your Chase Offers and Maximize Them To Save Money [Step-by-Step]

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Earning points and cash-back at the same time is a fantastic way to maximize every dollar you spend.

Chase makes it easy to get extra cash-back offers on your credit cards through Chase Offers. These cash-back deals may be available on your Chase credit cards and are a great way to save money on your everyday purchases.

This post will show you how to find and use your Chase Offers to save money.

What Are Chase Offers?

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

After successfully using a Chase Offer you’ll see a statement credit on your account within 7 to 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 new or you don’t use it much, you might see fewer offers than someone who uses their card more often.

What Kinds of Offers Will You Find?

Chase Sapphire Preferred and Chase Sapphire Reserve Upgraded Points LLC
Chase Offers are available through Ultimate Rewards-earning cards as well as co-branded cards. Image Credit: Upgraded Points

Chase Offers change constantly. 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):

  • Audible: 15% cash-back
  • Carnival Cruises: 10% cash-back
  • CVS: 10% cash-back
  • Hello Fresh: 15% cash-back
  • Home Chef: 25% cash-back
  • Lyft: 10% cash-back
  • Seat Geek: 10% cash-back
  • Tripadvisor: 5% cash-back
  • Walmart.com: 10% cash-back
  • Zulily: 10% cash-back
Hot Tip:

Bookmark our best current Chase Offers page to easily keep track of the best and newest deals.

Which Credit Cards Come With Chase Offers?

Chase Offers can be found on any of Chase’s co-branded credit cards as well as Ultimate Rewards earning credit cards. Both personal and business cards are eligible for Chase Offers.

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

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

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM 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
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex℠
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Business owner? See our list of the best Chase business credit cards.

If you have multiple Chase credit cards, you’ll likely see offers on more than one card. Unlike Amex Offers, you can add the same offer to multiple Chase cards.

Chase Offers are also available on Chase debit cards — but don’t forget that you’ll miss out on valuable points and perks when you opt to use a debit card instead of a credit card for transactions.

Hot Tip:

Chase Offers are available on both personal and business cards and are targeted, so each card may have a different set of offers.

How To Use Chase Offers

Chase Offers is a card-linked program which means you’ll need to add each offer to your card before you make a purchase. You’ll find your offers on both the Chase Mobile app and website.

Using Chase Offers Through the Chase Website

After logging into your online account, you’ll see your Chase Offers on the main account page.

Chase Offers on homepage
You can access your Chase Offers through your online account. Image Credit: Chase

Click See all offers to access the main Chase Offers page. From there, you can scroll through the offers on all of your credit cards.

Chase Offers new screen
You can easily scroll through Chase Offers on all of your cards. Image Credit: Chase

Once you select an offer, you’ll be able to see the terms, including expiration date and cash-back maximum. You’ll know that you correctly added an offer when you see the green check mark next to that offer.

Chase Offers added
The offers that are added to your card will display a green check mark. Image Credit: Chase

To use an offer, just pay for your purchase with your selected credit card as usual. You’ll see a statement credit within 7 to 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 both your Chase Sapphire Preferred card and your Freedom Unlimited card but only activate it on your Chase Sapphire Preferred card, you’ll need to use the Chase Sapphire Preferred card to take advantage of that offer.

Using Chase Offers Through the Chase Mobile App

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

After clicking on Chase Offers, you’ll be able to see and add your offers. To see offers for a different card, click on the drop-down arrow at the top of your screen.

Chase Offers on Chase Mobile App
You can add Chase Offers from the mobile app. Image Credit: Chase

After activating your offer, you’ll be able to see all of the offer details plus confirmation that this offer was added to your card.

Chase Offer Confirmation on mobile app
You can see the offer details, including the expiration date, on the mobile app. Image Credit: Chase

Maximizing Chase Offers

One of the best parts 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 use a shopping portal like the Chase shopping portal or even Rakuten.

In addition, if the Chase Offer involves shopping at a physical location instead of online, you can 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 website. Once activated, just use the selected Chase card at that merchant, and you’ll see a statement credit within 7 to 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.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What is a Chase Offer?

A Chase Offer is a cash-back deal offered by Chase through the Chase Mobile app or website. You just need to add a Chase Offer to your Chase credit card and then use that card at the specified merchant. You’ll see a statement credit in your account within 7 to 14 business days. This program is similar to Amex Offers which is available on American Express credit cards.

How do I use Chase Offers?

To use your Chase Offers, just log into the Chase mobile app or website and then add any offers to your card. Use that card at the specified merchant and you’ll see a statement credit within 7 to 14 business days. Be sure to read each offer’s terms and conditions for specifics, including expiration date.

Can I use Chase Offers through Chase's website?

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

Does everyone get the same Chase Offers?

No, Chase Offers are targeted, so not everyone will have the same ones.

What cards come with Chase Offers?

Chase Offers are available on personal and business Chase credit cards and debit cards. This includes both Ultimate Rewards-earning cards and co-branded cards.

Katie Seemann's image

About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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