Introduction
Chase Offers gives you cash back as statement credits on eligible purchases with certain brands. You add an offer to one of your Chase cards, pay with that same card during the offer period, and Chase's FAQ says the credit appears within 30 days after the purchase posts, unless the offer's terms say otherwise. Chase's main page says 30 business days. Chase says there are no coupons, codes or vouchers to remember.
This guide covers which card to use, who can see offers on an account, what you can and can't do once an offer is added, and what to check if a credit doesn't show up. Everything here comes from two Chase pages: its Chase Offers FAQ and its main Chase Offers page.
How an Offer Works
Chase describes three steps:
- Explore your offers in the Chase Mobile app, on Chase.com or in a Chase Offers email.
- Add offers to your card by choosing deals from the merchants you want.
- Redeem an offer by using your Chase card to make eligible purchases during the offer period.
Your statement credit appears within 30 days after the qualifying transaction posts to your account, unless the offer's terms say otherwise. Chase's main Chase Offers page says you'll get the statement credit within 30 business days. Your account must be open and, for credit card accounts, not in default when the credit is fulfilled. Chase also says third-party payment plans may not be eligible for certain offers.
Which Card to Use
Each Chase Offer is linked to only one of your Chase accounts. If you have more than one Chase account, offers are chosen for each card. When you add an offer on a card, you must use that same card to redeem it. You can see which card an offer is linked to in two ways: the top of the Chase Offers page shows the account you're viewing, and the offer details show an image of the linked card with the last 4 digits of its number.
Chase says the offers you see are chosen for you based on how you use your eligible credit or debit cards. You may see fewer offers if you received your card recently or don't use it often.
Adding, Tracking and Expiring
You can't remove an offer once you add it. Chase says there's no limit to the number of offers you can add and no penalty if you don't use one.
The Offers Wallet has an Added tab for offers you've added that haven't expired or been redeemed. Redeemed and expired offers show for 90 days, and you can't reinstate an expired offer. If a transaction was made before the expiration date and met the offer's requirements, Chase says you should still get the credit even if it posts afterward. Whether you can use the same offer more than once depends on each offer, so check its details for a one-time-use rule.
Who Can See Offers on an Account
For personal and business credit card accounts, primary cardmembers and authorizing officers can view, add and redeem offers. Authorized users and employees can't view or add offers. Because all credit card numbers on an account are the same, an authorized user or employee can still redeem an offer if they're the first to make qualifying transactions. For business debit card accounts, owners and signers can view, add and redeem offers, and employees can't. Chase's FAQ also says that, for business debit and credit card accounts, any cardholder can redeem offers added to the account. For personal debit card accounts, every account owner can view, add and redeem their own offers.
A Few More Rules
A merchant may split a purchase into several transactions, which can affect redemption. If that happens, Chase says to call the number on the back of your card. For offers with a minimum purchase, the minimum includes sales tax.
Chase Offers is separate from your card rewards. If your card earns rewards, such as Ultimate Rewards points, you still earn them on eligible purchases. On a credit card account, the statement credit isn't a payment: it lowers your balance, but you still owe at least your minimum payment. Chase Offers is available only in the U.S.
If a Credit Doesn't Show Up
Chase gives a few reasons: the offer wasn't added to your card, it expired, you used a different card, or it hasn't been 30 days (30 business days, on Chase's main page) since the transaction posted. Check the Added, Redeemed and Expired tabs in the Offers Wallet. If you're still stuck, call the number on the back of your card or send an Account Inquiry through the Secure Message Center.
Your Next Step
Before you pay, open Chase Offers and look at the account shown at the top of the page. If you have more than one Chase card, use the Choose account dropdown to switch to the card you'll pay with, because offers are chosen for each card and you may see different ones on each. If the offer you want is only on another card, pay with that card instead. Add the offer, then read its details and terms for the minimum purchase, the end of the offer period and whether it's one-time use.
If you also carry Amex, Capital One, Citi or Bank of America cards, our guide to card-linked offers by issuer shows where each one lives and how long its credits take.
