Home Credit Cards Chase Credit Cards Chase is launching new spending bonuses for 4Q 2022

Chase is launching new spending bonuses for 4Q 2022 [Targeted]

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In the last couple of years, Chase has taken to offering a variety of quarterly targeted spending bonuses across its co-branded card portfolio and it looks like these bonus offers are coming back for the final quarter of 2022.

New Chase spending bonuses

Update 29 September 09:00 ET – My IHG® Rewards Premium credit card just got targeted for the offer you’ll see below. The ‘my bonus’ page is still showing the current quarter’s offer but I can activate the 4Q offer via the email I was sent.

On some of my Chase cards, the bonuses that I can see still relate to the current quarter while on others, there’s currently no bonus at all, but my Ritz-Carlton card is leading the way with a new offer for October – December and it looks like this:

Earn 10 points/dollar at gas stations, 5 points /dollar at grocery stores, and 5 points/dollar at Amazon.com on up to $1,500 of combined spending between 1 October and 31 December 2022.

If I can see this offer on my Ritz-Carlton card, there’s a good chance that it’s also available on cards like the Marriott Bonvoy Bold® credit card (review) and the Marriott Bonvoy Boundless® credit card (review). It may also be available on other co-branded cards that weren’t targeted for an offer in Q4 and other variations on this offer could be appearing too.

As has been the case with a lot of other similar promotions, these offers will be targeted at Chase’s co-branded credit cards and not Chase’s standalone cards (e.g. the Chase Sapphire Preferred® credit card) but if Chase copies what it did in Q3 for Q4, those cards may get their own bonuses at some other point in the next couple of weeks.

Checking for bonuses

If you want to see what bonuses Chase has targeted you for you should head over to Chase.com/mybonus, enter your name, your zip code, and the last 4 digits of your Chase credit card and the site will show you if that card has been targeted for a bonus offer. If you’re out of luck, try another card!

Keep in mind that any cards that were targeted for bonuses in Q3 will currently still show those bonuses when a cardholder checks the Chase site because those bonuses don’t expire until the end of tomorrow – anyone in this position will have to check again on Friday to see if their card(s) have been targeted for a bonus this quarter.

Note: Cards that are not open to new applicants (like the legacy IHG Rewards credit card) are also eligible to be targeted for these bonuses…as my offer on the Ritz-Carlton card proves.

Key terms

The specific wording may differ from card to card but the key terms that have been applied to the promotion that I can see look like this:

  • To be eligible for this bonus offer, you must activate by 12/31/22 11:59 p.m. E.T.
  • You will earn 10 points total for each $1 spent in the gas station category and 5 points total for each $1 spent in the Amazon.com and grocery store categories on up to $1,500 in total combined purchases from 10/01/2022 to 12/31/2022.
  • Total points shown is the maximum you will earn on those purchases during the promotion, regardless of what you already earn on those purchases in your rewards program.
  • The Amazon.com category includes purchases made at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.com’s marketplace) and Whole Foods Market (including physical Whole Foods Market and Whole Foods Market 365 stores, and the website accessible at www.wholefoodsmarket.com).
  • The Amazon.com category does not include (i) purchases from merchants using Amazon Pay, (ii) purchases made at international Amazon retail sites (including but not limited to Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, or Amazon.co.jp), or any other website operated by Amazon, (iii) purchases made at international Whole Foods Market sites, (iv) purchases of Whole Foods Market or Whole Foods Market 365 products or services through third-party sites such as Eventbrite, Instacart, Google Express and Shipt, (v) online purchases of Whole Foods Market or Whole Foods Market 365 gift cards (including through buyatab.com), event tickets or classes, (vi) purchases from certain third-party vendors operating at Whole Foods Market sites, (vii) purchases of massage services at any Whole Foods Market site, or (viii) purchases from [email protected], in each case in Amazon’s sole discretion.
  • Qualifying Whole Foods Market and Amazon Fresh purchases will only earn the bonus in the Amazon.com category and not in the grocery store category.
  • Purchases posted to your account with a transaction date during the offer period are eligible for this offer.
  • Please allow up to 8 weeks after qualifying purchases post to your account for points to post to your account.
  • To qualify for this bonus offer, account must be open and not in default at the time of fulfillment.

Full terms and conditions can be found on the targeted offer.

Quick thoughts

Hopefully, Chase will soon be revealing a variety of bonuses across its co-branded portfolio but for now, I’ll stick to discussing the set of bonuses that I can see targeted to my Ritz-Carlton account.

If you’re looking to maximize the number of Bonvoy points that you can earn, this is clearly a very nice offer for you as you can earn up to 15,000 Bonvoy points if you concentrate your spending (capped at $1,500) on purchases made at gas stations.

The gas spending bonus is also very good from an effective rebate point of view because even if you value Bonvoy points as low as 0.5 cents each (I value them at 0.6 cents), the effective rebate that you’re being offered is 5% and that’s a better return on gas station spending than most other major credit cards will offer.

This is also a pretty good offer to have if you’re planning to do any shopping at Amazon.com (a big 2-day Prime sale is on the way) as very few credit cards offer bonus points for Amazon spending.

As far as the grocery bonus goes, however, 5 Bonvoy points/dollar isn’t a good deal.

By my valuation, 5 Bonvoy Points/dollar represents an effective return of just 3%, and as I hold the excellent Citi Premier® Card which will earn me an effective return of 4.5% (it earns 3 points/dollar on all grocery spending and I value Citi ThankYou points at 1.5 cents each), there’s no reason for me to use the Ritz-Carlton card when I go to buy groceries.

Clearly, this value comparisson applies just to cards that earn Marriott Bonvoy points so if you have this (or a similar) offer targeted to a card that earns another currency, you’ll have to work out the value on offer and see if it’s any better – it’s not always going to be the case that you’ll find that another card in your wallet will trump whatever Chase is offering you (I’d happily use my World of Hyatt credit card if it was offering me 5 points/dollar at grocery stores).

Bottom line

If you hold a Chase co-branded credit card there’s a chance that you’ve been targeted for a 4Q spending bonus or that you’re about to be targeted so head over to Chase.com/mybonus to see what (if anything) is waiting for you.

If you’re fortunate enough to find bonus offers linked to one or more of your cards, don’t forget to compare the value of what you’re being offered to the value you can get from the other cards in your portfolio as the 4Q bonuses may not be the best deals open to you.

Have you been targeted for a Chase 4Q bonus offer?

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  1. Chase Bonvoy Boundless is definitely included – I got an E-mail yesterday with this promotion. Also have the IHG card but since I personally value Marriott points at .7 cent each and IHG points as .5 each it is easy to pick the Bonvoy card for use.


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