Frequently Asked Questions
What are credit card merchant offers?
Credit card merchant offers are targeted discounts provided by banks like Amex, Chase, Citi, Bank of America, PayPal, and US Bank. When you add an offer to your card and shop at that merchant, you automatically earn cashback, statement credits, bonus points, or miles — on top of your regular card rewards.
How does Offer.love work?
Offer.love aggregates credit card offers from all major US banks into one searchable directory. We scan bank portals multiple times daily so you can browse 3,717+ active offers across 2,883 merchants without logging into each bank separately. Our Chrome extension also alerts you when you visit a merchant with an available offer.
Is Offer.love free?
Yes, completely free. The website, search, and Chrome extension are all free to use. We don't sell your data or require account creation to browse offers.
How do I activate a credit card offer?
Log into your bank's website or app, navigate to the offers section, and add the offer to your card. Then shop at that merchant using your enrolled card. The cashback or credit is applied automatically. Our Chrome extension can help you find and activate offers faster.
Which banks does Offer.love cover?
We currently track offers from American Express (Amex), Chase, Citi, Bank of America, PayPal, and US Bank — the six largest credit card offer programs in the United States. Together, these banks represent the vast majority of merchant-specific credit card deals available to US consumers.
How often are offers updated?
We scan bank portals multiple times per day. New offers typically appear on Offer.love within hours of being released by the bank. Expired offers are automatically removed so you only see deals you can still use.
Can I use multiple offers at the same merchant?
Yes! If you have cards from different banks, you may have separate offers for the same merchant. For example, both Amex and Chase might offer cashback at Starbucks. Offer.love shows you all available offers across banks so you can pick the best deal — or stack them across multiple purchases.
