Chase Bank offers some of the best travel rewards credit cards out there, and it’s no secret that the Ultimate Rewards points they earn can help unlock a lot of travel. But one area Chase lagged behind American Express was with Amex Offers.
If you are not familiar, Amex Offers are essentially digital coupons that can be added to your card account, offering a simple way to save money – or earn additional points – by making purchases at select retailers or travel companies.
Over the past several months, Chase has upped their game by rolling out a program of their own: Chase Offers. Just as with Amex Offers, these are an easy way to justify the annual fee associated with top Chase credit cards like the Chase Sapphire Preferred or Chase Sapphire Reserve.
We’ll outline exactly how they work and how you can take advantage of them.
What Are Chase Offers?
Chase Offers are deals on dining, shopping, entertainment, and other purchases that are exclusive to Chase cardholders. If you see an offer you like in your account, simply sign in to the Chase Mobile app, chase.com or the Chase Pay app to browse, activate and track your offers.
And once you use an offer, you should receive an automatic statement credit within a few days of making a purchase. Just be sure to use the deal within the terms and conditions, and prior to the expiration date. Here are a few examples of the offers you can find in your account.
Thrifty Tip: Many offers will be targeted, so not every cardholder – or even every card – will be eligible for the exact same offers. Make sure to check all of your Chase cards if you don’t see a specific offer. And be sure to check your offers frequently, as they’re constantly changing and some offers have limited quantities available.
To date, Chase hasn’t offered many offers that give cardholders bonus Chase Ultimate Rewards points rather than cash back – if any. It’s one area where Chase still lags behind Amex, as Amex Offers can be an easy way to earn more points.
How to Find Offers from the Desktop Website
To find the offers from a desktop computer, simply head to the offers page and log in to your Chase account. From there, scroll down to the bottom of the screen underneath your Chase cards and you will see the dashboard.
As you can see, my Chase Sapphire Reserve card has 45 available offers. You can click the “See all offers” link to expand the view and check offers on other cards if you have more than one Chase card.
From this view, you can see your total savings earned to date, offers you have redeemed, and any offers you added but expired before you were able to use them.
How to Find Offers from the Chase Mobile App
You can also find the offers via the Chase mobile app. Simply log in to your account and scroll to the very bottom of the screen. Here you will see the same offers section with your available offers.
Again you can click the “See all offers” link and be taken to a screen with an expanded view of the offers available on each of your Chase card accounts.
It’s great to see Chase roll out a program similar to Amex Offers allowing cardholders to save additional money on spending they are already doing.
But in my experience, Amex Offers are still far more lucrative than what is available through Chase.
First and foremost, I have yet to see a Chase Offer allowing cardholders to earn additional Ultimate Rewards points for their spending. If you hold an American Express card that earns their valuable Membership Rewards points, you will often be targeted for offers allowing you to earn points as opposed to a statement credit.
That said, there’s no reason not to add a Chase Offer to your account if it fits for spending plans.
There are many benefits with Chase’s lineup of travel rewards credit cards, and these offers add to that. They offer another way to offset the annual fee associated with many Chase credit cards by rewarding you for spending you are already doing.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.