New Competition for Amex Offers and Why We Should Be Very Excited!

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Chase Unveils Chase Offers on Select Credit Cards

Chase Unveils Chase Offers on Select Credit Cards

A member of the Facebook Group (Thanks, Elieen!) alerted us today to a new program from Chase for the Slate Card called Chase Offers. Doctor of Credit has also reported that the program is available for the Marriott Rewards Card. We have tried to enroll with Hyatt, IHG and Sapphire as well, but those don’t appear to be part of the program (yet).

The Details- Here’s What We Know So Far

Chase Unveils Chase Offers on Select Credit Cards

How it Works

First, you’ll need to sign up with your eligible Chase Card. Here’s a link to sign-up if you have the Slate Card and a link to sign up if you have the Marriott Card. The registration requires an email and email verification. Then you are required to input your eligible card number and select a password. That’s it!

Chase Unveils Chase Offers on Select Credit Cards

Chase Offers appears to be very similar to Amex Offers and Bank Amerideals in that you load offers to your account, shop at the designated store and automatically receive your bonus without having to use a coupon or submit a receipt. However, right off the bat there are some significant differences.

  • Appears to be limited to only a few types of Chase cards
  • You are required to register for a separate account with a different login as opposed to just logging into your Chase Account
  • You can unilaterally change your location for the purpose of receiving offers for merchants in different cities. What seems really cool about this is that you can do it only temporarily or permanently with just a few clicks. (Amex says they base your offers on your location but doesn’t allow you to specify the location.)

Here’s Why I’m Excited

Once you log in- it becomes very apparent that the offers are awesome! The first one I see is $10 off a $25 purchase at Whole Foods so of course I’m psyched at this point, but the great offers don’t end there. The next few are just as great including Staples, Nordstrom, Dunkin Donuts, Lowe’s Home Improvement, Regal Cinemas, Neiman Marcus and more. If they keep this up, my long forgotten Slate card will make a major comeback in my rotation.

Specific Offers

Chase Unveils Chase Offers on Select Credit Cards

  • Whole Foods Market $10 back on your next purchase of $25 or more
  • Dunkin Donuts 10% back (up to $10) on your next purchase
  • Lowe’s $10 back on your next in-store purchase of $50 or more
  • Staples 10% back (up to $20) on your next purchase
  • Nordstrom 20% back (up to $30) on your next purchase
  • Neiman Marcus 10% back (up to $30) on your next purchase
  • Regal Cinemas 10% back (up to $50) on your next purchase
  • Ebags $20 back on your next purchase of $100 or more
  • Many restaurant offers including Chili’s and Olive Garden

Concerns and Questions

Modest Savings

Now, before I anoint Chase Offers the new King of Offers and steal the crown from Amex, I do have some concerns. First, the limits are pretty modest. $10 off of $25 is a huge percentage, but if I can only receive it 1x and it’s only on 1 card- it’s not terribly exciting. Also on the offers offering a percentage of your transaction, the limits are modest- $30 in the case of Nordstrom and $10 in the case of Dunkin Donuts. So of course, we’ll need to see if Chase allows us to redeem the offers on multiple cards. And of course, we’ll need to see if they include more types of cards in the program.

I suspect the card limitation will go away and that Chase Offers will be available on other Chase branded cards very soon. But, I am not certain that Chase will allow you to load the same offer to multiple cards.

Another question, is whether multiple transactions will count or if the offer terms need to be completed in one transaction. For example, the Dunkin Donuts Offer is worded as “10% back (up to $10) on your next purchase”. Does this mean that you get 10% back ONLY on your next purchase at DD as the offer seems to suggest or can you get 10% back up to $10 on multiple purchases. Obviously the latter is more useful.

What Purchases Count

Unlike Amex Offers, the deal specific offers are not very detailed. Will gift cards be excluded? If you can purchase gift cards, it doesn’t matter so much whether one transaction or multiple count towards offers. There is some wording in the general terms and conditions that seem to suggest gift cards may not count. But, it is definitely not clear.

Logistical Concerns

Will Chase allow us to sign up for multiple user accounts for each different card and for authorized user accounts? This one should be pretty easy to test but I haven’t done it yet, will update with further data points later.

Conclusion

Chase Offers has big potential and I for one had no idea it was coming! I hope the offers continue to be as useful as the current ones and I hope we are soon able to enroll multiple cards and user accounts to take advantage of the best offers more than once. As more data points become available, we’ll keep you updated. Please leave any other info you have in the comments section. As always, please feel free to contact me with any questions either by commenting or messaging me on Twitter @bethanyatM2m.

 


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9 COMMENTS

  1. I was also really excited when I found out and registered this morning (I have the Chase Marriott business card)… until I dug deep into the small print and found this paragraph that defines what is considered a ‘Qualifying Purchase’:

    “[…] Payments made for government-administered pre-paid cards, healthcare, benefits, or insurance prepaid cards; Visa Buxx; reloadable and non-reloadable prepaid cards; gift cards; value loaded, preloaded or reloaded onto a merchant’s rewards card or similar program; payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services); or transactions that are not processed or submitted through the Visa U.S.A. Inc. payment system are not considered Qualifying Purchases. Visa reserves the right to determine in our or their sole discretion whether any given transaction is a Qualifying Purchase.”

    Unless I’m misreading this, it seems to me that Chase is being very clear that GC purchases won’t qualify for the offer. I’m still going to give it a try tomorrow at Whole Foods. We’ll see what happens. If the offers are only valid on non-GC spend, this new development is still good news, but at least for me not as exciting.

    • I agree the T&Cs appear to rule out GCs, BUT most do and in practice, they’re often accepted. I think this will be one of those trial and error situations. Can you update me when you try at Whole Foods? I love that this first time around it’s only $25 so we can test things 🙂

  2. Thanks for the tip. I have the Chase Marriott Rewards Visa and use it generally just for Marriott stays. This might change now! I’ve used it for dining a couple of times, but if Chase is putting more effort into this card, I’ll use it more frequently.

    I have to wonder if they are trying to prove something to Marriott with a no doubt bidding war that is going on with Chase and American Express as AmEx has the SPG card.

    Thanks for the tip.

  3. This is really not a good thing because it will only lead to the baseline rewards getting diminished. I put most of my spend on Chase vs. Amex specifically because I don’t need to think or spend time trying to figure out the circumstances to use a particular card Would prefer Amex copied Chase rather than the othet way around

  4. I registered my Marriott card and have the Staples offer. Gift cards are specifically excluded. Otherwise that would be a few easy free points plus a few bucks profit as well on a $200 gift card.

  5. Update: GOOD NEWS! It worked on a GC! I purchased a $25 Amazon GC at Whole Foods (SoCal) on Wednesday and today I got an email from Chase with subject title “Chase Offers Redemption” that states,
    “You’ve earned $10.00! Congratulations! Your purchase has been confirmed. Please find the details below.
    Merchant: Whole Foods Market | Date:11/17/2017 | Statement credit amount: $10.00”. Oddly, the date is tomorrow’s date (17), whereas the purchase was actually made on the 15. Maybe that means the date it’ll post to my cc account. I’ve checked and thus far it’s not showing up, but I’m confident it will.
    Given this scenario, I will likely try this out again with the Staples offer. Slightly riskier and also won’t get 5X URs since it’s not an Ink card but the discount is a good one.

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