【October 4, 2026 update】 The new quarter’s 5X offers are here. If you are lucky, you may even receive 10X points.

Beyond familiar fixed quarterly rewards such as those on Chase Freedom cards, Chase also has a hidden quarterly targeted offer called MyBonus. It does not automatically appear in every account. It is targeted, so you need to check and activate it yourself.

What is Chase MyBonus?

MyBonus is a quarterly spending-reward offer Chase provides to selected cardholders. Unlike Freedom’s broadly available quarterly categories, the offer is tailored to individual accounts.

These offers usually apply for one calendar quarter, such as January through March or April through June, though the details can change each quarter.

How do you check whether you have a MyBonus offer?

Visit Chase’s official MyBonus page:

👉 https://www.chase.com/mybonus

Enter your last name, the last four digits of your card, and ZIP code to see whether there is an offer available to activate. It becomes valid only after you activate it. Chase may tell you about a MyBonus offer by email or app notification, but it may not send a notice, so checking manually matters.

Typical MyBonus offers

Here are examples of targeted offers that different cardholders may see. The actual details depend on your card and the quarter:

  • High-multiplier rewards
    Earn up to 5X or 7X points or cash back at grocery stores, gas stations, or restaurants in a given quarter, usually with a cap of about $1,000.
  • Spend-to-earn rewards
    Spend a required amount in selected categories, such as phone, internet, or utility bills, to receive a fixed statement credit, for example $10 after spending $150.
  • Travel rewards
    There can also be points offers for the Chase Travel Portal, such as extra Ultimate Rewards Bonus Points after reaching a specified spending amount.

The offer on my Aeroplan co-branded card last quarter was very good: 4% cash back on top of the card’s usual 3X points.

Chase MyBonus offer

This quarter, my co-branded cards all received 5X points on dining, groceries, and gas.

How it differs from regular rewards

  • Not everyone receives an offer: Only cardholders targeted by the bank can see these rewards.
  • It changes every quarter: Chase refreshes MyBonus offers periodically.
  • Activation is required: The offer starts only after activation on the page.
  • It can appear on many cards: It is not limited to one Chase product. Sapphire, United co-branded, and hotel co-branded cards can all receive offers.

Summary

Chase MyBonus is a quarterly targeted spending-reward program. It supplements the fixed rewards already built into Chase cards, giving selected cardholders a higher return in certain categories or after reaching a spending threshold. Because it is targeted and personalised, check and activate your offer manually at https://www.chase.com/mybonus every quarter. That can earn you extra points or cash back on everyday spending.