Chase Offers — the Best Cash Back Deals in December 2022

Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

  • Chase Offers are targeted cash-back deals for Chase credit or debit cardholders.
  • To earn cash back, add the offer to your eligible card then make a qualifying purchase.
  • You can save money at participating merchants, services, restaurants, travel providers, and more.
  • Read Insider’s guide to the best rewards credit cards.

The best Chase Offers available in December 2022

Chase issues a wide variety of credit cards, including options that earn cash back, more premium cards that earn Chase Ultimate Rewards® points, hotel and airline cards, and small-business credit cards. 

If you have a Chase credit card or debit card, you could be eligible for Chase Offers. These targeted deals get you cash back at participating stores, services, restaurants, and travel providers like hotels and airlines once you add the offer to your card and make a qualifying purchase.

Find the right Chase credit card for you

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1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

100,000 points after spending $15,000 on purchases in the first 3 months from account opening

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.

50,000 bonus points after spending $1,000 on purchases in the first three months

Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.

Keep reading to see how Chase Offers works, and what kinds of deals you can expect to find.

Here are some of the Chase Offers that are currently available, but you may see different deals in your own account. This list is updated on a regular basis.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Chase Offers at stores and restaurants

Chase Offers for services

Chase Offers for travel

The best Chase credit cards to consider

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular Annual Percentage Rate (APR)

19.74% – 26.74% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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If you don’t have a Chase credit card yet, here are some of the best options available right now that earn flexible Chase Ultimate Rewards points, which you can redeem for cash back, travel, gift cards, and more:

  • Chase Sapphire Preferred Card — One of the best all-around travel cards, because it earns 5x points on travel purchased through Chase Ultimate Rewards (2x points on all other travel purchases) and 3x points on dining. It offers a high welcome bonus and valuable travel coverage like primary rental car insurance, all for a $95 annual fee (here’s our Chase Sapphire Preferred Card review).
  • Chase Sapphire Reserve® — The big sibling to the Preferred has a higher annual fee of $550, but offers 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (after receiving the $300 travel credit) and 3x points on other travel and dining. It’s currently offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (read our Chase Sapphire Reserve card review).
  • Chase Freedom Unlimited — It’s a great pick for college students and others who are new to credit cards. There’s no annual fee, and you can use the Chase Ultimate Rewards points you’ll earn for cash back, gift cards, travel, and more (find out more in our Chase Freedom Unlimited card review).
  • Ink Business Preferred Credit Card — This business credit card earns bonus points on a wide variety of spending categories and offers a high welcome bonus and other perks like primary rental car insurance and cell phone protection, with a $95 annual fee (read our Ink Business Preferred card review for details).

Chase Offers frequently asked questions (FAQ)

Chase Offers are deals available to select Chase credit and debit cardholders. These offers get you cash back at a variety of merchants, including retail stores, services, and restaurants.

Chase Offers generally get you cash back in the form of a percentage. For example, on my Chase Sapphire Reserve® account, I currently see an offer for 10% back at Office Depot, with an $11 maximum. However, some offers get you a flat cash-back amount, such as $25 back on a DropBox purchase.

To use a Chase Offer, just click on it to add it to your account. Once you make a qualifying purchase with your card while the offer is still valid, you’ll receive the cash back as a statement credit to your account. The terms say it can take up to 14 business days for the statement credit to post, but typically it takes less time.

You can find your Chase Offers in a menu on the sidebar when you log in to your online Chase account. Similarly, you’ll see Chase Offers toward the bottom of the main screen in your Chase app.

Each Chase Offer has an expiration date — in your account, this will be displayed as how many days you have left to use it. Keep this date in mind, because you won’t be eligible for cash back if you don’t make a purchase in time.

Not every Chase cardholder will see the same Chase Offers associated with their accounts, and some accounts may have more offers than others. For example, I have over 30 offers on my Chase Sapphire Reserve® account, but only 23 on my Chase Freedom Unlimited® and just six on my Southwest Rapid Rewards® Priority Credit Card.

All you need to access Chase Offers is a Chase credit card or debit card. It doesn’t cost anything to add an offer to your card, but to earn cash back from the offer you’ll need to make a qualifying purchase at the offering merchant.

You can add as many of the Chase Offers that appear in your account to your card as you want, and there’s no harm in adding an offer even if you’re not sure you’ll use it.

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