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Chase My Bonus Offers Q4 2026: How to Check If You're Targeted for Bonus Points
September 27, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Chase has sent out its fourth-quarter round of targeted My Bonus spending offers, also called "Spend and Get" offers. They apply to purchases made from October 1 through December 31, 2026, and they mostly show up on Chase's co-branded airline, hotel and retail cards.
The offers are targeted, so not everyone gets one. In mid-November, cardholders started reporting new offers on cards that weren't targeted at the start of the quarter, so it's worth checking again even if you came up empty in October.
Here's what's out there this quarter, how to check your cards and which offers are worth adjusting your spending for.
Want your card offers activated for you? See how Kudos auto-activates card-linked offers.
What Are Chase My Bonus Offers?
Chase My Bonus offers are limited-time spending promotions that Chase targets to select cardholders, usually at the start of each quarter. They pay extra points, miles or cash back on top of what your card normally earns.
They're separate from the rotating bonus categories on cards like the Chase Freedom Flex®. Those categories are open to every cardholder. My Bonus offers are targeted, and you can go several quarters without seeing one on a given card.
Most offers fall into two types:
- Category offers: a higher earning rate in specific categories, up to a spending cap.
- Spend threshold offers: a flat number of bonus points once you hit a set amount of spending during the quarter.
In either case, you have to register the card for the offer. A card that isn't registered won't earn the bonus.
Spend threshold offers are easy to lose track of across several cards. Kudos shows your spending on each connected card, so you can check how close you are to a $3,000 or $6,000 target before the quarter ends on December 31.
Working toward a card perk or credit? See how the Kudos Benefits Tracker keeps tabs on your perks.
Which Chase My Bonus Offers Are Available for Q4 2026?
These are the offers cardholders have reported on their accounts this quarter. Offers vary by person and by card, so yours may differ.
Category Offers at Grocery Stores, Gas Stations and Restaurants
Each of these applies to up to $1,000 in combined spending across the three categories.
- 5X points: reported on Marriott Bonvoy®, The Ritz-Carlton®, Southwest Rapid Rewards®, United MileagePlus® and Aer Lingus, British Airways and Iberia co-branded cards
- 10X points: reported on the Aeroplan® co-branded card
- 4% back as a statement credit: reported on Southwest Rapid Rewards cards
- 5% back in Disney Rewards Dollars: reported on Disney co-branded cards
- 5% back: reported on the Instacart co-branded card
Spend Threshold Offers
- 1,000 bonus points for each month you spend $1,000: reported on World of Hyatt cards
- 3,000 bonus points or miles after $3,000 in spending: reported on Southwest, United, Aeroplan and Aer Lingus, British Airways and Iberia cards
- 6,000 bonus points or miles after $6,000 in spending: reported on World of Hyatt, Southwest, United, Aeroplan and Aer Lingus, British Airways and Iberia cards
- 5,000 bonus points or miles after $9,000 in spending: reported on World of Hyatt, Southwest, United and Aeroplan cards
No IHG card offers have been reported this quarter. The caps are also lower than in some past quarters, so check the terms on your offer before you plan around it.
Comparing co-branded cards? Put them side by side in Kudos Explore.
How Do You Check If You're Targeted for a Chase My Bonus Offer?
- Go to the My Bonus page. Visit chase.com/mybonus.
- Enter your details. You'll need your last name, the last 4 digits of the card and your ZIP code.
- Check every Chase card you have. Offers are targeted card by card, so one card coming up empty doesn't mean the others will.
- Register right away. Spending only counts toward the bonus once the card is registered for the offer.
- Write down which offer you got. If you check again later, the page may only say you're already registered without naming the offer.
Chase also emails some offers directly, so look for a My Bonus or Spend and Get email from Chase.
If the page shows an error, try a different browser. Checking a lot of cards back to back can also make the page stall, so give it a few minutes before you try the rest.
Are Chase My Bonus Offers Worth It?
The category offers are the easiest win. Moving up to $1,000 of grocery, gas and dining spending to a card with a 10X offer earns up to 10,000 points before December 31, which can beat what most cards earn in those categories.
Calculation formulated by Kudos, based on a 10X offer applied to the $1,000 category spending cap.
Spend threshold offers are a better deal when they line up with spending you were going to do anyway. A flat 3,000 points for $3,000 isn't worth putting purchases on a card you'd otherwise skip.
They work best on cards with their own annual spending perks. The World of Hyatt® Credit Card gives the primary cardmember a Category 1 through 4 Free Night Award after $15,000 in purchases each calendar year. Since the Q4 offers end on December 31, the same spending can count toward both the My Bonus offer and that year's free night.
[[ SINGLE_CARD * {"id": "2854", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Hyatt Loyalists", "headerHint": "FREE NIGHT AFTER $15K SPEND"} ]]
Whatever offer you get, pay the balance in full. Interest charges can wipe out the value of a few thousand bonus points in a single month.
Tips to Get the Most From Chase My Bonus Offers
- Check again mid-quarter. Chase sometimes targets more cardholders after the first wave, as it did this November.
- Register every eligible card. Registering costs nothing and doesn't commit you to spending.
- Read the offer terms. Terms vary by offer, including which purchases count and when the bonus posts.
- Ask Chase if you lose track. If you registered but don't know which offer it was, check the card's offers in your Chase account or send Chase a secure message.
- Plan around the deadline. Q4 offers end on December 31, 2026, so time larger purchases before then.
Frequently Asked Questions
What is chase.com/mybonus?
It's Chase's page for checking and registering for targeted My Bonus, or Spend and Get, offers. You enter your last name, the last 4 digits of your card and your ZIP code to see whether that card has an offer.
Do I have to register for Chase My Bonus offers?
Yes. Spending on a card that isn't registered won't earn the bonus, so register before you start spending toward the offer.
How do I find out which My Bonus offer I registered for?
The registration page doesn't always say. Check the card's offers in your Chase account, look for a confirmation email or send Chase a secure message and ask.
When do the Q4 2026 Chase My Bonus offers end?
The reported Q4 offers cover purchases made from October 1 through December 31, 2026.
Which Chase cards get My Bonus offers?
This quarter, reports center on co-branded cards from Marriott Bonvoy, The Ritz-Carlton, World of Hyatt, Southwest, United, Aeroplan, Aer Lingus, British Airways, Iberia, Disney and Instacart. It's still worth checking every Chase card you have.
The Bottom Line
Chase's Q4 2026 My Bonus offers can add thousands of bonus points for spending you're already doing. Check each of your Chase cards at chase.com/mybonus, register for anything you're offered and focus on the category offers or thresholds that match your normal spending. With Kudos tracking spending across your cards, it's easier to see where you stand before the December 31 deadline.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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