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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