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Chase Offers and Shop Through Chase: Why You Should Use Them

6 min read
Abigail Welles By Abigail Welles Oct 11, 2019 | Updated Nov 07, 2019

If you’re in possession of a Chase Ultimate Rewards card (or any rewards card for that matter), then you already know the high of earning points or cash back every time you use your plastic.

Chase cardholders may have the opportunity to earn extra discounts and rewards on top of the standard rate with the help of two valuable programs — Chase Offers and Shop through Chase.

Here are some of the best credit cards to use:

Card & Rewards Annual Fee
Chase Sapphire Reserve®

  • 3X Ultimate Rewards points on Travel, Dining
  • 50,000 bonus points for spending $4,000 in the first 3 months
$450
Chase Sapphire Preferred® Card

  • 2X Ultimate Rewards points on Travel, Dining
  • 60,000 bonus points for spending $4,000 in the first 3 months
$95
Chase Freedom®

  • 5% cash back in rotating categories, up to $1,500 spent per quarter
  • $150 cash bonus for spending $500 in the first 3 months
$0
Chase Freedom Unlimited®

  • 1.5% cash back for all purchases
  • $150 cash bonus for spending $500 in the first 3 months
$0
Ink Business Preferred℠ Credit Card

  • 3X Ultimate Rewards points up to $150,000 spent per year in several categories
  • 80,000 bonus points for spending $5,000 in the first 3 months
$95
Ink Business Cash℠ Credit Card

  • 5% cash back up to $25,000 spent per year at Office supply stores, Internet, cable, and phone services
  • 2% cash back up to $25,000 spent per year at Gas stations, Restaurants
  • $500 cash bonus for spending $3,000 in the first 3 months
$0
Ink Business Unlimited℠ Credit Card

  • 1.5% cash back for all purchases
  • $500 cash bonus for spending $3,000 in the first 3 months
$0

What Is Chase Offers?

Chase Offers is a seamless way to receive statement credits for purchases from popular retailers. These offers can be accessed through Chase’s Ultimate Rewards mall and don’t require digital coupons to be scanned or codes to be entered. It was introduced in November 2018 as a competitor of the popular Amex Offers (available for certain American Express cards).

It’s available through Chase.com, the Chase mobile app, and the Chase Pay app (the last option only until early 2020), where cardholders can sign in and view available offers. Some Chase cards are not eligible for Chase Offers, so check with the credit card issuer if you’re not sure, but in general you can expect it to work for Ultimate Rewards and co-branded cards, along with certain debit cards.

Cardholders will receive different offers based on their spending. Offers are unique to each card, and a single offer can’t be used universally across your Chase credit cards. If your Freedom Unlimited receives a 5% discount offer at Starbucks, you can’t use your Sapphire Preferred to redeem the deal. The offer will be loaded onto the Freedom Unlimited card specifically, and the Sapphire Preferred may have its own set of offers.

Examples of discounts you may find through Chase Offers include:

  • 5% back on an Airbnb reservation
  • 5% back at Rite Aid
  • $10 back at Sam’s Club
  • 15% back at Amazon
  • Spend $50 at Lowe’s and get $10 back
Just tap “Add to card” and you’re ready to go.

Just tap “Add to card” and you’re ready to go.

How Are Chase Offers Earned?

Chase Offers discounts are returned to cardholders as statement credits applied to their accounts within 7–14 business days of a purchase being made. You can use these deals and still earn at the normal reward rates of your cards.

In order to use an offer, you must select it before making the purchase. The offer will be loaded to whatever card is associated with the account and applied automatically when the transaction is completed.

These offers do have expiration dates, typically lasting less than a month. Even if you add the offer to your card right away, you still need to use it within the given time frame. Chase Offers can also be applied towards any purchase made using the Shop through Chase portal, as explained below.

Why Aren’t There Any Chase Offers Available for Me?

If you aren’t seeing any available offers, there are two possible reasons for this:

  1. You aren’t using a Chase card that’s eligible for Chase Offers
  2. You aren’t using your eligible Chase card enough

Expanding on number two, Chase Offers are tailored to the cardholder. This means that the Chase apps and website provide you with offers based on your card activity (although your offers may not seem to correlate with your spending in any way).

You may have no Chase Offers available if you don’t use your card often, or perhaps just a couple per month. As you increase activity, Chase Offers will take note of what kinds of purchases you make and provide specific offers accordingly.

When searching for Chase Offers through the Chase Pay app, you won’t see any menus that say “Chase Offers.” After logging in, go to the main screen of the app and click on “Available offers,” which is found in the “In the Spotlight” menu, to see your deals.

What Is Shop Through Chase?

The main Chase shopping portal, which goes by its official name, Shop through Chase, is a separate rewards opportunity featured in the Ultimate Rewards program. You can access this program with any Chase Ultimate Rewards card, like the ones listed above.

The portal provides cardholders with bonus rewards at a changing selection of over 400 merchants. For a full list of participating merchants, log in to your Chase account and navigate to the Ultimate Rewards mall, where you’ll likely see some offers presented to you.

A small portion of the Shop through Chase stores directory.

A small portion of the Shop through Chase stores directory.

Shop through Chase offers may include extra rewards at:

  • Office Depot
  • Apple
  • Microsoft
  • Nike
  • Sam’s Club
  • Walmart
  • Groupon

The portal will redirect you to the merchant’s online shopping site, where you can then receive bonus rewards when you complete a transaction. The shopping portal allows cardholders to earn unlimited bonus rewards points.

When you enter the Ultimate Rewards mall, first you’ll need to select which card you will be using. When you complete a transaction within the merchant site, be sure to use the same card you selected when you entered the Ultimate Rewards section.

If you have more than one eligible card, it could be worth your time to explore the offers available for each. You may find that one card provides 2% extra cash back at the retailer you’ve got your eye on, while another provides 5% extra.

When you earn “cash back” with a Chase Ultimate Rewards card, you’re technically earning Chase Ultimate Rewards points, not cash back (each point is worth 1 cent). This doesn’t really matter for us here, but don’t get confused if you see points being earned with a cash back card.
An example offer within Shop through Chase, which will bring the user to the merchant’s official site.

An example offer within Shop through Chase, which will bring the user to the merchant’s official site.

Some things to keep in mind to make sure you’re getting the most out of the Shop through Chase portal:

  • When you select a merchant through the portal, you are sent to that retailer’s site. Although transactions are happening on the merchant’s actual site, you must still enter through the shopping portal in order to earn bonus rewards.
  • Complete your transaction in the window opened through the portal. If you open additional windows or enter a new site through an existing window, this can interfere with the cookies that identify you as a Shop through Chase user.
  • Bonus points earned through Shop through Chase aren’t multiplied by the standard rewards rate already earned with your Chase card. They’re instead an additional rate on top of what you’d normally earn. Say HomeDepot.com is a current 5% bonus category for the Chase Freedom, and that site is also listed through the portal as earning an extra 2%. You wouldn’t earn 10% back on that purchase, but rather 7% back.
Additional tips for making the most out of your Shop through Chase experience.

Additional tips for making the most out of your Shop through Chase experience, in this case specific to the Macy’s offer above.

Using Chase Offers With Shop Through Chase to Get More for Every Dollar

Chase Offers and Shop through Chase can be combined for even more lucrative opportunities. You must first load any Chase Offers onto your card, then enter your desired merchant through the shopping portal.

If you don’t enter the shopping portal and complete the transaction within it, then you’ll only receive the statement credit from the Chase Offer. Conversely, if you complete the transaction within the shopping portal but don’t first load the Chase Offer onto your card, you’ll only receive the bonus Ultimate Rewards for that purchase.

Best Cards to Use With Chase Offers and Shop Through Chase

If you’re looking to maximize the rewards and discounts you can earn, consider a Chase credit card that earns Ultimate Rewards so you can use both Chase Offers and Shop through Chase. Or check out Chase’s co-branded cards, to use Chase Offers as you earn airline or hotel travel rewards.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Our rating
Credit rangeExcellent
Details
Annual Fee$450
Regular APR18.74% - 25.74% Variable

Though the Reserve comes with an expensive annual fee of $450, it’s one of the best travel credit cards thanks to perks like a $300 travel credit, a $100 credit towards TSA PreCheck or Global Entry, and a 50% point bonus when you redeem for travel through the Ultimate Rewards portal. There are no foreign transaction fees, so cardholders won’t have to worry about paying extra when traveling abroad.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Our rating
Credit rangeGood
Details
Annual Fee$95
Regular APR17.74% - 24.74% Variable

The Sapphire Preferred offers a decent rewards rate but doesn’t come with the great perks of the Reserve, like a travel credit or airport security application fee waiver. New Chase cardholders will enjoy a great offer to earn a ton of introductory bonus points for spending a certain amount within the first few months of account opening. Like the Reserve, you can transfer your points to an airline or hotel partner where you’re a frequent flyer or sleeper, like Southwest Airlines, Delta, Marriott Bonvoy, or Hyatt.

Chase Freedom®

Chase Freedom®

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.74 - 25.49% Variable

The Freedom card offers 5% cash back in select categories that rotate quarterly throughout the calendar year. Strategically using Chase Offers and the online shopping portal along with your 5% rate can provide some incredible rewards.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR16.74% - 25.49% Variable

Enjoy unlimited 1.5% cash back on everything, without worrying about bonus categories or spending caps. This credit card offers a solid welcome bonus in the first year, plus an intro APR period to help spend down debt, either from purchases or balance transfers.

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Our rating
Credit rangeExcellent
Details
Annual Fee$95
Regular APR17.74% - 22.74% Variable

The Business Preferred is the only business card in Chase’s Ink lineup that requires an annual fee, but for $95 a year, cardholders will be able to earn 3X points on travel and other business-related purchases. Points can be redeemed for statement credits, gift cards, or a 25% bonus for travel through the Ultimate Rewards portal — but we recommend transferring them to a travel partner to get a better value.

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Our rating
Credit rangeExcellent
Details
Annual Fee$0
Regular APR14.99% - 20.99% Variable

The Ink Business Cash offers a significant rewards rate at 5% cash back on office supplies and internet services, and 2% on gas and dining. There are spending caps, however — $25,000 at the 5% rate and $25,000 at the 2% rate, which may be easy for businesses to hit, limiting the rewards earned.

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR14.99% - 20.99% Variable

This business credit card is similar to the Freedom Unlimited in that it offers 1.5% back on all purchases without a spending cap. Cardholders will also enjoy an intro APR period to help pay off business purchases.

Chase isn’t your cup of tea? Looking for other reward opportunities? Check out our picks for the best rewards credit cards to find the right one for you, no matter your spending habits or credit level.
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AT A GLANCE

Earning points and cash back doesn’t have to stop with the standard rewards rate that comes with your Chase card. Take advantage of programs like Chase Offers and Shop through Chase to maximize discounts and rewards.

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