Easy Savings: Here’s How to Improve Chase Offers to Earn Extra Rewards on Top of Card Discounts

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Easy Savings: Here’s How to Improve Chase Offers to Earn Extra Rewards on Top of Card Discounts

Harlan VaughnEasy Savings: Here’s How to Improve Chase Offers to Earn Extra Rewards on Top of Card DiscountsMillion Mile Secrets Team

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Chase Offers to get discounts at dozens of popular merchants are finally live on the Chase mobile app.  You can add Chase Offers to your cards to earn cash back when you spend within a certain timeframe at stores including Lowe’s, Staples, Starbucks, and Walgreens.

When compared to AMEX Offers, which give discounts of up to ~40% or bonus AMEX Membership Rewards points, they don’t seem as great.  But one good app deserves another – and there are ways to improve Chase Offers to save even more.

This is in addition to points you earn on cards like the Chase Sapphire Preferred or Chase Sapphire Reserve!

Chase Offers Get Savings at Popular Stores Like Lowe’s, Staples, and Starbucks. And While They’re Not Huge Discounts, You Can Stack Other Deals to Save Even More

I’ll share my tricks!

Improve Chase Offers With Shopping Portals & Other Apps

Link:   How to Use Chase Offers

Chase Offers are now available to add to your cards via the Chase mobile app.  And soon, they’ll make their way to the desktop website.  We had high hopes for Chase Offers.  But in practice, they don’t hold a candle to far better AMEX Offers.  At least – yet.

I see Chase Offers on all my Chase cards.  Most discounts are for 5%, 10%, or 15% off at ~40 merchants.  You might see different offers or alternate merchants, as these offers are personalized based on your spending patterns.

Chase Offers Are an Easy Way to Save at Places You Normally Shop, Which Is Like a Built-In Coupon

To save money, simply click “Add to Card” and spend before the deal expires.  Credits will post to your account within 7 to 14 business days.

There’s a well-rounded selection of stores and services.  For example, I can save at popular places like Lowe’s, PetSmart, Staples, Walgreens, and many others.

However, I see this as a nice start.  These offers are comparable to what other banks already offer, so there’s nothing new here.  I’d like to see bigger discounts or extra Chase Ultimate Rewards points for my spending.  AMEX Offers already does all this and has tons more shopping partners.

I hope Chase expands their offers to include better discounts and unique opportunities.

Always Start Online Purchases Through a Shopping Portal

Link:   Online Shopping Portals: EVERYTHING to Know to Earn Tons of Chase Ultimate Rewards, Airline Miles, Hotel Points, and Cash Back (With One Easy Step!)

Many of these offers explicitly say you can shop in-store or online to get the discount.  If you shop online, always click through a shopping portal to earn extra cash, miles, or points!

Stack Your Deal to Earn Points With Your Card, Redeem a Chase Offer, AND Earn Extra Rewards – Triple Win!

This way, you’ll earn:

  • Miles or points for spending on your Chase card
  • Discounts with Chase Offers at your selected merchant
  • Cash, miles, or points for clicking through a shopping portal

At Walgreens, for example, I could get:

  • 1X Chase Ultimate Rewards point for spending on my Chase Sapphire Reserve card
  • 10% back from Chase Offers
  • Extra 4X Chase Ultimate Rewards points for clicking through the Chase shopping portal

On their own, Chase Offers are an easy way to save.  And when you redeem them online, you can amp up the rewards even more.

Our favorite cash back shopping portals are:

Save In-Store With Other Apps on Your Phone

Right now, Chase Offers are only available on the Chase mobile banking app.

You can add other apps to boost your in-store savings.  And you can stack many Chase Offers with in-app deals!

My favorite apps to save are:

With Dosh, Just Link a Card and Save Automatically In-Store. Past Offers Included Walgreens, Gap, Sephora, and Many More

With DoshDrop, and Spent, simply link a card within the app.  When you spend in-store, you’ll automatically earn cash back.  When you reach a minimum threshold ($25 for Dosh, $5 with Drop, and $20 with Spent), you can redeem rewards for cash in your PayPal account or for gift cards.

The best part of these apps is you can set them up once and earn automatically.  I check them every so often to browse new deals.

I Earn 12 Drop Points per $1 at Starbucks With Drop, and 1% Cash Back With Spent.  And They Stack With Chase Offers!

For example, at Starbucks, I can get:

  • 1X Chase Ultimate Rewards point for spending on my Chase Sapphire Reserve card
  • 5% back from Chase Offers
  • 12 Drop points per $1 spent with the Drop app
  • 1% cash back with the Spent app

That’s an easy way to save extra money!

And the Ibotta app requires you to upload receipts with your phone camera.  But if you shop in-store often, it’s a great way to save on certain items.

Lowe’s and Walgreens Have Deals on Ibotta, Which Combine With Chase Offers

Ibotta also runs frequent bonus offers to earn even more cash back.  You can cash out your earnings to PayPal or Venmo when you reach $20.  I’ve saved $100s with this app over the past few years.

Chase Offers change frequently, and so do the offers on these apps.  But when they match, you can do well to save on your in-store shopping.

Bottom Line

Chase Offers are live on the Chase mobile app!  You can add them to cards including the Chase Sapphire Preferred and Chase Sapphire Reserve to earn discounts at dozens of popular merchants.

Similar deals are available through other banks.  So while I hope Chase improves the quality of their offers in the future, you can save even when you shop online or in-store.

When a Chase Offer is valid online, be sure to click through a shopping portal to earn extra cash, miles, or points.  And when you shop in-store, you can stack Chase Offers with apps like DoshDropIbotta, and Spent to boost your savings.  And that’s in addition to the miles or points you earn for spending on your Chase card!

These tricks will serve you well nearly any time you shop, especially online.

Do you have other tricks for saving money with Chase Offers?

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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