Chase Offers: Save money by linking your Chase card to merchant offers

Update July 19, 2024: More interesting Chase Offers are popping up for me, including several 10% back offers at hotel chains, a Staples offer and a Marathon offer. Check your Chase offers to see what you’re targeted for.

With Chase Offers, you can additional rewards on things you buy anyway at places you shop in-store and online. In many cases, you can get access a 5-15% discount or cash back, but some Chase Offers will get you even more savings.

Here’s what you need to know about Chase Offers.

What are Chase Offers?

Chase offers is Chase’s card-linked offer program that can provide a cash back rebate on purchases you make with select merchant partners. Chase Offers can give you a 5-15% rebate (or more) at featured merchants. You can easily add these card-linked offers to your account online.

Card-linked offers can be a great way to get an extra cash back on things you buy anyway. Most banks offer some variation of card-linked offers like Amex Offers, BankAmeriDeals, and Citi Merchant Offers. Chase’s calls its variant “Chase Offers.”

If you hold a Chase credit card, these card-linked offers are available in your account and you should take advantage of them.

How to find and use your Chase Offers

To find your Chase Offers, simply sign into your account at Chase.com. The Chase Offers panel will be on the right-hand side of your account overview screen. Click on “See all offers” to bring up the Chase offers page.

From that page, you will be able to select any of your credit card accounts and see the offers that are available for your cards. Clicking on an offer adds it to your card and brings up the offer details. Offers that are already added to your card will have a green checkmark by them and show up if you click on “Added” at the top of the page.

Using Chase Offers to buy retailer gift cards

One strategy for getting additional cash back with Chase (and other, similar programs, like Amex Offers, BankAmeriDeals, and Citi Merchant Offers is to use the offer to buy a gift card to a place you’d actually shop. This is one part of my 5x everywhere strategy and effectively converts a Chase offer at a place you wouldn’t normally shop into a healthy discount at a place where you would shop.

Chase has historically had offers at a lot of places that sell gift cards. Office Depot, Best Buy, Holiday (and other gas stations) and others. If you have a Chase offer for a merchant that sells gift cards, you can probably convert that Chase offer into a discount at a general retailer like Amazon, Target, or Walmart.

One note of caution on gift cards: Many online stores sell gift cards through a separate sub-site. If you purchase a gift card through one of these sub-sites (like CashStar) you won’t qualify for a Chase offer on that purchase. This is because the purchase is processed by CashStar, rather than the store associated with the Chase offer.

Recent interesting Chase offers

Chase Offers are targeted based on the credit cards you have and your spending patterns. You likely won’t see the same list of offers as I do, but here are some of the offers I found recently when adding Chase offers to my card:

• Marathon: Earn 5% cash back on your Marathon Pay-at-Pump purchase, with a $3.00 cash back maximum. Offer only valid on purchases made at the pump.
• Five Guys: Earn 10% cash back on your Five Guys Burgers and Fries purchase, with a $3.00 cash back maximum.
• Hyatt Place: Earn 10% cash back on your Hyatt Place stay, when you spend $100 or more, with a $40.00 cash back maximum.
• GAP: Earn 10% cash back on all of your GAP purchases, until a $11.00 cash back maximum is reached.
• Lyft: Earn 10% cash back on your Lyft purchase, with a $4.00 cash back maximum. Note: Many Chase cards offer bonus rewards for Lyft rides. Chase Offers will stack with your normal rewards.
• Lululemon: Earn 10% back on your Lululemon purchase, with a $16.00 back maximum.
• IHG Hotels and Resorts: Earn 10% cash back on your IHG Hotels & Resorts stay, when you spend $100 or more, with a $57.00 cash back maximum.
• Staples: Earn 10% cash back on all of your Staples.com purchases, until a $17.00 cash back maximum is reached. Offer valid online only.
• Hyatt House: Earn 10% cash back on your Hyatt House stay, when you spend $100 or more, with a $40.00 cash back maximum.

Other things to know about Chase Offers

You can add the same offer to multiple cards. If you are targeted for the same offer on multiple accounts, you can add the offer to each account that is targeted, so there is little downside to adding the offers immediately when they pop up.

Chase card-linked offers stack with your normal rewards. Chase card-linked offers are separate from your rewards. For example, if you have an offer for 10% back on Office Depot on a Chase Ink Business Cash card, you will get 10% back as a statement credit, plus five Ultimate Rewards points per dollar on your purchase.

All Chase Offers have spending limits. Especially if you are planning on making a large purchase, check the offer details on your offers. You might find that your large purchase will only earn a limited amount of cash back. As an example, the 10% back on Office Depot order has a limit of $11 cash back. You will only get 10% cash back on your first $110 of purchases at Office Depot using this offer. If you purchase $30 of office supplies, you’ll earn 10% cash back. If you purchase a $700 computer, you will only earn $11 additional cash back on the purchase.

Some Chase Offers are one-time only. Most Chase card-linked offers that offer a certain percent cash limit the total amount of cash back you can earn, but can be used across multiple purchases. But some offers are good for one purchase only. Most of the offers that are “one-time only” are offers that give you a flat amount of cash back or are for subscription services.

Frequently asked questions