Update 8/4/2023: Check your Chase Offers. This morning, I found a 5% back offer for Office Depot and Office Max on my Ink cards. Keep in mind that the Chase Ink Cash offers 5% back on office supply store purchases. The rewards you earn on Chase offers are in addition to the rewards that you otherwise earn.
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.”
Chase Offers can give you a 10-15% rebate at featured merchants. You can easily add these card-linked offers to your account online.
If you hold a Chase credit card, these card-linked offers are available in your account and you should take advantage of them. Offers are targeted based on spending patters. Chase usually targets my accounts for dozens of these offers every month. Here are some of the Chase Offers that I have found and used:
- $5 back when you spend $5 or more on grocery store purchases
- 10% back at Office Depot
- 20% back at Quill (office supplies)
- 10% back at Holiday gas stations
- 10% back at CVS pharmacies
- 10% back at Panera Bread
- 10% back at Marriott hotel properties
How to find 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.
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.