Chase Is Handing Out 10x Grocery and Gas Offers for Q4. Check Every Card You Own.
Chase has loaded its fourth-quarter My Bonus spending offers, and they run October 1 through December 31, 2026. The top tier pays 10x points per dollar on groceries, gas stations or restaurants on up to $1,000 of spend. The offers are targeted per card, so the only way to know what you have is to check each card number at chase.com/mybonus.
The short version
Offer window is October 1 to December 31, 2026.
Multipliers reported so far are 5x, 7x, 9x and 10x per $1, capped at $1,000 of spend.
Flat-bonus versions pay 3,000 points after $3,000 of spend, 6,000 after $6,000 and 5,000 after $9,000.
Eligible categories are grocery stores, gas stations and restaurants.
A 10x offer on $1,000 pays 10,000 bonus points, worth roughly $150 at 1.5 cents each.
What is Chase My Bonus?
Chase My Bonus is a targeted spend-and-get program that sits on top of whatever your card already earns. Chase picks the cards, sets the multiplier and the cap, and posts the offer to a portal you have to opt into. It is separate from Chase Offers in your app and separate from the rotating 5% categories on the Chase Freedom Flex. The three programs stack.
The offer wording Chase uses in the My Bonus portal reads: earn "5x, 7x, 9x or 10x bonus points (or miles or cash back) per $1 spent" in the qualifying categories. Which number you see is not something you influence.
How much is a 10x offer worth in real money?
A Chase My Bonus 10x offer on $1,000 of grocery spend pays 10,000 bonus points. Your card was already paying 1x on that spend, so the offer adds roughly 9,000 points you would not have earned. At 1.5 cents per Ultimate Rewards point, that is about $135 of value for spending money you were spending anyway.
The flat-bonus versions look weaker per dollar. 6,000 points after $6,000 of spend works out to an extra 1 point per dollar, which is a 1.5% return on top of your base earning. Worth activating, not worth rerouting your spending to hit.
My honest read: the 5x and 7x tiers are pleasant. The 10x tier on groceries is the only version worth building a plan around, and even then the $1,000 cap means you are working with about $135, not a free flight.
Which cards get these offers?
Chase My Bonus offers show up most often on co-branded cards, including the United, Air Canada Aeroplan, IHG One Rewards, Marriott Bonvoy, Ritz-Carlton, World of Hyatt, Disney and Prime Visa products. They also appear on plain Chase cards, personal and business alike. Nobody is guaranteed one, and two people holding the same card frequently see different multipliers.
This is the part people get wrong. They check their main travel card, see nothing, and stop. The 10x offer is often sitting on the co-brand card in the drawer that earns a currency you forgot you had.
How do you check and activate an offer?
Chase requires you to enter each card number individually at its My Bonus enrollment page, which means a card you never use is a card you have to dig out. There is no single dashboard that shows every offer across your wallet. Check every Chase card you hold, including authorized-user and business cards, and activate before you spend, because spend before activation does not count.
Set aside ten minutes on October 1 and do all of them in one sitting. If terms are not displayed for an offer you find, call the number on the back of the card rather than guessing at the cap.
Can you stack this with other Chase promotions?
Yes, and stacking is where the return stops being trivial. A Chase My Bonus 10x grocery offer sits on top of the Chase Freedom Flex rotating category, which pays 5% on groceries and dining for Q4 2026 on the first $1,500. Chase's shopping portal adds another layer. Chase describes its Shop and Earn program as paying "1-15 bonus points per $1 spent at 1,000+ stores."
Three programs, one grocery run. Activate all three and the same $1,000 pays out several times over.
What this means for you
Your homework is ten minutes long and pays somewhere between nothing and $150. Check every Chase card at the My Bonus portal on or just after October 1, activate whatever you find, and spend normally. Do not buy things you did not plan to buy for 9 extra points a dollar.
If you are new to valuing an offer like this, our points and miles valuation guide explains where the 1.5 cent figure comes from. For the rotating 5% categories running alongside these offers, see our breakdown of the Chase Freedom Q4 2026 categories. Choosing which Chase card to hold in the first place, start with our best travel credit cards guide.
FAQ
Where do I check my Chase My Bonus offers?
Chase hosts the My Bonus portal at chase.com/mybonus, and you enter each card number separately to see whether that card is targeted. There is no way to see all your offers at once, so budget time for every card you hold.
Do I have to activate the offer before spending?
Yes. Chase My Bonus offers require enrollment first, and purchases made before you enroll do not count toward the bonus. Activate on October 1 if you want the full quarter.
What counts as a grocery store or gas station?
Chase uses merchant category codes, so warehouse clubs like Costco and Sam's Club and superstores like Walmart and Target usually do not code as grocery stores. Standalone supermarkets do. The same logic applies to gas: a station attached to a warehouse club often codes as the club.
Are the offers the same for everyone?
No. Chase My Bonus offers are targeted, and the multiplier varies by cardholder and by card. Two people with the identical card frequently see a 5x offer and a 10x offer respectively.
Do these offers work on business cards?
They appear on Chase business cards as well as personal ones, including the Ink lineup. Check each business card number in the portal the same way you check personal cards.
The bottom line
This is the least glamorous $150 in points you will earn this quarter, and one of the easiest. The work is checking, not spending. Do it on October 1 while the full three months are still in front of you.
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