Home Credit Cards Why I’m Not Paying Attention To Chase Offers

Why I’m Not Paying Attention To Chase Offers

by SharonKurheg

One of the guidelines when earning miles and points is to maximize every purchase. That could be by choosing the correct card to use, using a shopping portal for online (and now in-store purchases), buying gift cards for places you shop at other stores that pay a higher multiple (such as supermarkets and office supply stores) or using a dining rewards program or MileagePlus X.

Another way to earn extra miles is when banks load offers onto your account, which pay an additional bonus or cash back when you spend money at specific merchants. American Express is still the leader in this market, even after they made the AMEX Offers program less valuable when they limited you to loading an offer onto only one of your AMEX cards instead of all of them.

Since American Express’ offers were so popular, it’s no surprise that the other banks wanted to get into the action. So now we have:

Chase Offers

Real original name there, Chase.

I was interested to see what type of offers Chase would have with this new program. I figured they’d want to generate interest and make the offers valuable enough that people would take advantage of them and keep looking back for more.

I must say that I was disappointed. I didn’t even bother to take advantage of the first offers and subsequent emails haven’t seemed any more interesting.

Some things to know about Chase Offers:

  • The offers will be different for each of your cards and not every card will receive offers.
  • The offers will be limited to a certain amount of money back
  • The offers may have restrictions in that they’re only good for a single use, even if you don’t earn the maximum amount back from that purchase.

Here are the offers I received on one of my Chase cards:

Not a whole bunch of things that interest me there but we do eat at Sweet Tomatoes every once in a while. I checked the offer:

So I can earn up to $5.00 back when I get a rebate of 15% back on a single purchase. After doing the math, that means I’d need to make a single purchase over $33.33 to max out this offer.

What about Tropical Smoothie Cafe:

Another 15% offer but this one is capped at a single purchase of $2.00.

Not much going on there, so I checked a different card.

Same offer for Tropical Smoothie, but wait, there’s Starbucks. I’m interested.


10% back with a $3 maximum. Womp Womp.

If Chase wants me to keep logging into my account so I can add offers like these to my card, remember to put that card in my wallet for purchases at the specific merchant and then make sure I only use it when I’m spending enough to maximize the offer, they’re going to need to give better offers.

For now, I’ll check every once in a while but I’m not holding my breath for these offers to get any better. I have enough things to worry about and “Ain’t nobody got time for this” to save two dollars at Tropical Smoothie Cafe.

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This post first appeared on YourMileageMayVary.Net


Brutus February 19, 2019 - 8:54 am

I agree. I find very little of interest in these offers. I did manage to save about 80 cents at Autozone.

To be fair, I’ve been consistently underwhelmed by Amex offers as well.

Aus Biker February 19, 2019 - 10:05 am

This is why I am paying attention:

Congrats! You’ve successfully redeemed one of your Chase Offers
Chase Sapphire Reserve Card
Crystal Cruises
$642.00 earned

Steve L. February 19, 2019 - 1:55 pm

Now thats a good one….I saw that one as well.

Golfingboy February 19, 2019 - 11:25 am

I got 15% back on all Marriott and Hilton properties with $60 cap. So there can be some value. There is one for AirBnB too – 15% off but I almost never use Airbnb.

Marlene February 19, 2019 - 11:44 am

Also, if you actually eat at the restaurant from time to time, no reason not to max with a gift card for later use. Can do the same with Starbucks. If you’ll make the purchase anyway, might as well save a few bucks here and there. Not ignoring these.

Billy Bob February 19, 2019 - 7:28 pm

Definitely choose a shopping portal, but be careful. Sometimes the highest payer is only a setup. For instance, TopCashBack is often the highest payer but they also also routinely deny the rebate and cite unverifiable reasons. Read their reviews — best to use an established one and avoid TopCashBack and the hoard of low-quality copycats like them.

Brian January 26, 2020 - 12:42 pm

I agree, the majority of the offers don’t seem to hold much value to me. However, I do add the Starbucks offers to my Sapphire card when they pop up. I’ve found that when I use my Sapphire card to purchase a Starbucks gift card through the MileagePlus X app, I still receive the restaurant category bonus point spending on top of the United miles and regardless of the disclaimer, each time I did this I received the discount through Chase offers. The MileagePlus X app makes it easy to reload the gift card to my Starbucks account, so there has been an overall benefit.


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