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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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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®
|Chase Sapphire Preferred® Card
|Chase Freedom Flex℠
|Chase Freedom Unlimited®
|Ink Business Preferred® Credit Card
|Ink Business Cash® Credit Card
|Ink Business Unlimited® Credit Card
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:
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 qualifying 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.
If you aren’t seeing any available offers, there are two possible reasons for this:
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.
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.
Shop through Chase offers may include extra rewards at:
The portal will redirect you to the merchant’s online shopping site, where you can then receive bonus rewards when you complete a qualifying transaction. The shopping portal allows cardholders to earn unlimited bonus rewards points.
Offers come and go, so if you spot a store you like but you don’t have a purchase to make, consider buying a gift card. You’ll earn extra points, and you can use it when you need something later on.
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 typically 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.
Some things to keep in mind to make sure you’re getting the most out of the Shop through Chase portal:
Yes, 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 Shop through Chase 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.
You’ll get the most out of these programs with Chase Ultimate Rewards cards, which allow you to use both Chase Offers and Shop through Chase. These include personal credit cards as well as business options.
See which card works best for you:
Any Chase rewards credit card is eligible for Chase Offers, including business credit cards. Some Chase debit cards are eligible as well, . The specific offers will vary by card and according to your spending habits. Shop through Chase is available for Chase Ultimate Rewards cardholders and can be accessed in the Ultimate Rewards section of the app or on Chase.com.
Although many cards have bonus reward categories, not every issuer has extra discount programs like these. Amex Offers is another strong contender, while Citi, Bank of America, and some others have programs as well.
Browse the offers through the Chase Rewards Mall at Chase.com or on the Chase app. Select the offers you want and add them to your card before you shop. Then, make your purchase through the retailer and you’ll see your savings as a statement credit within 7–14 days.
If you have multiple Chase cards, the rewards will vary, so make sure you shop with the correct one. Chase has some of the best rewards cards — see how reward cards from other issuers compare.
You can get discounts from a variety of retailers including restaurants, clothing stores, tech, and homegoods. Here are some examples: 10% back from Starbucks, 10% back from Madewell, 20% back from Kindle, $75 back from ADT, and 10% back from Casper. The options change frequently and each offer lasts for a limited time, so check the Rewards Mall often.
These discount programs are specific to Chase, but dining rewards are common; check out some other restaurant credit cards.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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