Chase Card Spending Bonuses: Are You Eligible?

Credit card issuers offer all kinds of targeted promotions to keep cardmembers engaged. In particular, we frequently see bonuses for spending in certain categories, so that cardmembers keep a particular product front of wallet.

Chase frequently offers targeted, limited time spending bonuses on select cards, and the latest of these have just been rolled out, for spending in the fourth quarter. These are some fantastic bonuses that could be worth taking advantage of, if eligible.

Chase’s card spending bonuses for 2023

Chase is offering targeted spending bonuses on many of its credit cards, with registration being required. These deals are available for purchases between October 1 and December 31, 2023.

To see if you’re eligible, just visit chase.com/mybonus and enter your last name, zip code, and the last four digits of your card number. If you have multiple Chase cards, you’ll have to check your eligibility for each card individually.

What kind of bonuses is Chase offering?

Chase credit cards are offering bonuses tailored to the particular rewards currency offered by a card. You can check what each card is eligible for at this link. These bonuses are targeted — not everyone will be eligible, and even those who are eligible may be presented with different offers. If you’re not eligible for an offer, you’ll see a message stating that an offer isn’t available to you.

Bonuses are primarily available on co-branded credit cards, including those issued in conjunction with Hyatt, IHG, Marriott, Southwest Airlines, and United Airlines cards. On top of that, the Chase Freedom Flex^SM Credit Card (review) and Chase Freedom Unlimited® (review) may be targeted for bonuses.

In my experience, Chase doesn’t target people for an offer on the same card two quarters in a row, so you might only be targeted for offers every other quarter.

What kind of offers can you expect? Best I can tell, here are some of the offers (and please share your data points below!):

• The IHG One Rewards Premier Credit Card (review) has an offer to earn 7x points at gas stations and 5x points at restaurants and Amazon, valid on up to $1,500 in combined purchases
• The World of Hyatt Credit Card (review) has an offer to earn 5x points at gas stations, grocery stores, and Amazon, valid on up to $1,500 in combined purchases
• The United℠ Explorer Card (review) has an offer to earn 5x miles at gas stations, grocery stores, and Amazon, valid on up to $1,500 in combined purchases
• The British Airways Visa Signature® Card (review), Iberia Visa Signature^® Card (review), and Aer Lingus Visa Signature^® Card (review), have offers to earn 5x Avios at gas stations, grocery stores, and Amazon, valid on up to $1,500 in combined purchases

Whether or not these offers are worth taking advantage of depends on how you value various points currencies, and what other cards you have. For example, 5x World of Hyatt points is worth way more than 5x IHG One Rewards points. Based on my valuation of points, the Hyatt Card is offering an 8.5% return on spending in these categories.

Bottom line

Chase has some new targeted spending bonuses on credit cards, valid for purchases between October 1 and December 31, 2023. You can check your eligibility here. Many cardmembers should be eligible, and this could be a fantastic way to pick up some bonus rewards. The catch is that often if you’re targeted for an offer in one quarter, you won’t see any offers the next quarter.

It seems that the most common offer is for 5x points on gas stations, grocery stores, and Amazon. Just remember that not all points currencies are created equal, so 5x Hyatt points is worth more than 5x IHG points.

Were you targeted for Chase spending bonuses, and if so, do you plan on taking advantage of them?