Credit Cards

Chase targets 5x spending bonus for many cobrand cards

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Doctor of Credit uncovered an amazing slew of targeted offers for Chase’s co-branded credit cards. There seems to be a few offers for those who are targeted that can earn them up to 5x on purchases. The most popular two: earn 5x on all purchases, up to $1500, and the other specifically targets 5x on up to $1500 worth of purchases on groceries and restaurants. All of them run from April 1st until the end of June. There is a catchall link you can use to see if your card is targeted which you can just run each of your cards through – personally I think this is easiest vs the Individual links I also Included down below. You can access that catchall link here.

There are also specific links which you can access here.

Neither my IHG nor my Hyatt card was targeted – did you score anything?


I think this could be a great deal depending on which offer you got, and which cards you currently have. For instance…if you received 5x on dining and groceries on your IHG, but you also carry an Amex Gold…I wouldn’t pivot my spend. I’d rather earn 4x on Amex than 5x on IHG. Same goes if you’re working away on your 10x supermarkets for 6 months that you received with your Amex Platinum welcome offer.

With that said…I would have loved to have received a 5x on all purchases on my Hyatt card. I value those at 1.5 cents+ and have

Affiliate link via CardRatings


The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

80k offer in branch currently – I think this should be online soon

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

Super solid welcome offer.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash , Ink Business Unlimited you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred® continues to redeem at 1.25c in the Chase Travel Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 60k is a very, very good offer. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back. .

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 


  • RJ March 26, 2021

    Just a comment, the word “drops” is a bit confusing. I took the headline to mean that Chase had stopped offering 5x bonuses.

    • Miles March 26, 2021

      oh snap, I’ll clear it up

  • GarySTL March 25, 2021

    My wife and I both got 5x on all purchases on our Hyatts. I got 5x on my IHG Premier on grocery, drugstores, gas, but my wife’s did not take.

  • Marianne Shovan March 25, 2021

    I called Chase since my IHG qualified but my Hyatt nor SW Biz didn’t.

    These are targeted offers. The CSR said this was the second call he received and was extremely helpful taking about 10 minutes to figure it out.

    The CSR’s are able to see what offers are “targeted” on your card.

    My anectodal thought is that these offers are on cards that are not used often.

  • HLC March 25, 2021

    Got x5 on all purchases with my Hyatt card…

  • jdh March 25, 2021

    Thanks for posting! It looks like the Hyatt link goes to the Marriott offer, though. Is there a different link?

    • Miles March 25, 2021

      oh oops! Try the catch all and enter your card details.

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