How to Secure Message Chase to Match a Bonus Offer

Disclosure: Well Traveled Mile has partnered with CardRatings for our coverage of credit card products. Well Traveled Mile and CardRatings may receive a commission from card issuers.

Chase is one of the best card issuers when it comes to matching a higher offer that comes out after you apply for a credit card welcome bonus. They will generally match any better offer within 90 days of applying for a card.

A few days ago I wrote about how I had recently applied for a Chase Ink Plus card and was able to get them to match the increased 60,000 bonus point offer than came out. All I had to to do was spend a couple of minutes sending Chase a secure message to get the extra 10,000 points.

A few readers asked to know how to send Chase a Secure Message, so I figured I should write a more in-depth ‘how to’ on sending a secure message to Chase. This is the standard way of requesting Chase to match a higher bonus offer within 90 days.

Send Chase a Secure Message to Match a Bonus Offer


1. First you’ll need to log into your Chase online account.


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2. Next, click on the ‘Secure Message Center’ link to the right of your login welcome and name. Select ‘Send new message’ from the drop-down menu.


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3. In the Secure Message Center pop-up window select ‘Rewards Inquiry’. Depending on the type of account you have, there is a separate section for personal and business accounts. Next, just click ‘Go’.


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4. Now all you need to do is select your account that you want them to match with the higher bonus, and choose ‘Ultimate Rewards Program Inquiry’ if it’s on a UR points earning card for example. For all others select ‘Other Rewards Program Inquiry’.

Now just write a small message simply asking if they can match the increased bonus offer and apply it to your account. I included my message as an example, but I’m sure you can think of something better!


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Quick Recap

Chase typically will match a higher bonus offer on a card if you previously applied at a lower offer within the last 90 days. All you need to do is send Chase a secure message asking to match the best available offer on your account. Generally Chase's customer service department is on the ball about responding promptly and accepting the request. This is just another tip you should keep in your miles and points tool bag to maximize your earnings.

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Extra tips on how to maximize your rewards

Getting the most out of your credit cards is a must. Compare the current best offers with our Card Maximizer tool or take a look at our picks for the best travel credit cards of 2020. Here are the highlights:

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3 comments on “How to Secure Message Chase to Match a Bonus Offer”

  1. This is why I read this blog daily!!! Thanks for the information- I did exactly what you said this morning and got this back from Chase after about an hour!
    Dear SJ,

    Thank you for contacting Chase requesting to match the
    60,000 bonus points offer.

    I am pleased to advise that I did add additional 10,000
    points to the account so that it receives a total of
    60,000 points for an enrollment bonus. You will see this
    adjustment on the next statement. This adjustment is
    available for redemption now.

    As per the original offer, your account is eligible to
    receive 50,000 bonus points (which is equivalent to $500
    in cash back) after spending $5,000 in first three months
    following the account opening date. I see that you have
    met the threshold and these points are reflecting on your
    04/02/2014 statement.

    If you have any further questions, please reply using the
    Secure Message Center.

    Thank you,

    Prerana Sachin Girish
    Customer Service Specialist


    Account is owned by Chase Bank USA, N.A. and may be
    serviced by its affiliates.

  2. The 90-day window is very strict. I got my Ink Plus card at the end of January and they denied me the bonus match because it was outside the 90-day window (just barely).

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