JPMorgan Chase launched Chase Media Solutions on April 3, 2024. The bank-owned advertising business uses Chase’s first-party transaction insights to select audiences for campaigns, especially cash-back promotions shown through Chase Offers. Chase says advertisers are charged when a customer views a campaign and makes a purchase. The public materials describe Chase using transaction data to target customers; they do not establish that advertisers receive customers’ raw banking histories.
What Chase Media Solutions is
Chase Media Solutions℠ is JPMorgan Chase’s digital media business, built around the bank’s customer channels and its Chase Offers program. It is better understood as transaction-based commerce media than as a conventional display-ad network: a brand promotes an offer, a customer may activate it and make a qualifying purchase, and the transaction can be attributed to the campaign. Chase presents the effort as part of its broader connected-commerce strategy, which links card spending, rewards, shopping and merchant relationships.
The platform’s development followed Chase’s 2022 acquisition and integration of Figg, a card-linked marketing platform. Chase announced the launch on April 3, 2024, describing access at that time to 80 million U.S. consumers and 6 million small-business customers. Those were launch-period reach figures, not a promise that every customer is eligible for every campaign or actively sees offers. Chase’s launch announcement explains the launch and Figg connection.
How the advertising model works
- A brand plans a campaign with Chase. Chase’s public information describes a business-facing platform, but does not publish a universal rate card, minimum budget or standard contract terms.
- Chase selects an audience. The platform can use purchase history to identify prospective, lapsed or loyal customers. For its new-customer audience, Chase says it can use up to one year of purchase history.
- The offer appears in Chase-owned channels. The central customer-facing format is a Chase Offer, rather than an ordinary ad impression detached from a purchase incentive.
- The customer views or activates the offer and shops. The promotion’s individual terms determine what action, card or transaction qualifies; not every offer necessarily follows identical rules.
- The customer receives the stated reward if eligible. Depending on the offer, that may be cash back or a statement credit.
- Chase attributes the purchase to the campaign. Chase says brands are charged when a customer views a campaign and makes a purchase. The public page does not establish one universal attribution window or pricing formula.
Chase describes three audience objectives on its campaign and audience page:
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- New customers: People who have not shopped with the brand, using up to one year of purchase history, according to Chase.
- Lapsed customers: Previous customers who have not purchased recently.
- Loyal customers: Existing customers targeted for repeat purchases or continued engagement.
What customers get—and what to check
The consumer value proposition is personalized merchant offers in exchange for shopping, with cash back or a statement credit as the reward. Chase frames this as a value exchange: customers receive an incentive, merchants seek measurable sales, and Chase uses its customer relationship and transaction ecosystem to support the campaign. The broad model is described on the Chase Media Solutions about page.
Offer terms are campaign-specific. Before relying on a promotion, check whether it must be activated, which eligible Chase card or account must be used, the purchase deadline, qualifying merchants and products, and how returns or cancellations affect the reward. Taxes, shipping, gift cards, split payments, digital wallets, marketplaces and third-party payment processors may also affect eligibility under an individual offer’s terms. A displayed offer is not necessarily available to every Chase customer, and credits may not post immediately.
Transactions can also be recognized differently depending on merchant coding or payment routing. An offer’s presence does not establish that Chase disclosed a customer’s identity to the merchant. Nor should a customer assume a purchase made by another household member or authorized user is treated in a particular way: the public overview does not explain every account-holder and transaction edge case.
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What advertisers can gain—and what remains to be proved
For advertisers, Chase offers a way to reach people selected using purchasing signals, with campaigns aimed at customer acquisition, reactivation or repeat business. The format ties the incentive to a purchase that can be measured through card-linked transaction activity. That can be useful where a brand can fund a cash-back offer and wants to evaluate actual sales rather than only ad views.
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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsAt launch, Chase named Air Canada, Solo Stove, Blue Bottle and Whataburger among its pilot advertisers, with campaigns designed around 30-day periods. Chase quoted Air Canada describing its campaign positively, but the announcement did not provide independently audited lift, full campaign costs or return-on-ad-spend results. Advertisers should treat claims of incremental sales and improved ROI as Chase’s claims unless they receive transparent campaign-level evidence.
Before committing budget, a brand or agency should clarify:
- How many customers in its target geography and category are actually eligible, rather than relying on total headline reach.
- Which transactions and payment methods can be identified, and how merchant coding or intermediaries affect attribution.
- The attribution window, reporting delay, fees, reward funding and total campaign economics.
- Whether results include a control group or another credible way to distinguish incremental sales from purchases that would have happened anyway.
- Whether campaign reporting is aggregate, pseudonymous or linked to the advertiser’s own customer records.
- How audience exclusions, frequency, brand suitability and sensitive or regulated categories are handled.
Is Chase selling customers’ financial data?
The careful answer is that Chase says it uses its first-party transaction data to identify and reach relevant customer audiences. Its public campaign descriptions focus on audience selection, offers, attribution and performance. That supports describing a mediated advertising model in which Chase uses data it holds to activate campaigns; it does not prove that advertisers receive identifiable transaction histories.
Those are different practices. A company can use its own data to decide which customers see an offer without giving the advertiser the underlying account records. But the public launch and product pages do not fully specify all technical or contractual data flows. They do not settle whether particular campaigns use credit transactions, debit transactions or both; which detailed signals are available; whether advertisers can match their own customer lists; what identifiers or reports advertisers receive; how long campaign data is retained; or how every category of customer and account is handled.
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Chase’s consumer privacy notice and online privacy policy are relevant to understanding its broader privacy and marketing practices. They should not be treated as a complete technical description of every Chase Media Solutions campaign. The available public materials also do not establish a separate, universal opt-out specifically for this media business; customers should consult applicable privacy and marketing controls rather than assume one exists.
How large is the platform?
The current Chase Media Solutions overview reports the following figures. These are Chase-reported measures, not independent audits, and they describe different things:
| Measure | Chase-reported figure | What it means |
|---|---|---|
| Combined annual credit- and debit-card sales | $1.94 trillion | Chase’s reported annual sales scale across the combined card base; the overview does not provide further measurement detail. |
| Spend at merchants running on the Chase Offers platform in 2025 | $11.2 billion | Reported merchant spend on the offers platform during 2025; it is not Chase Media Solutions advertising revenue. |
| Average monthly offer views | 2.2 billion | Reported average views per month; views do not mean unique people or completed purchases. |
Chase’s current overview is the source for these measures: Chase Media Solutions. The figures should not be read as proof that every customer is targetable in every campaign or that every offer view leads to a sale.
How Chase fits into JPMorgan Chase’s commerce strategy
Chase Media Solutions sits alongside a broader effort to connect Chase Travel, Chase Offers, shopping and dining products, loyalty, card spending and merchant relationships. JPMorgan Chase investor materials discussed ambitions of roughly $30 billion in commerce-platform volume in 2025 and about $2 billion in run-rate revenue in 2026. Those figures concern the broader commerce strategy, not the advertising unit alone; attributing all of that projected revenue to Chase Media Solutions would be inaccurate. See the 2024 Investor Day presentation and 2025 Investor Day transcript.
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How it differs from other commerce-media options
Chase is one option among platforms with different data sources, inventory and buying models. The distinctions below reflect the publicly described products; prices not published in the cited materials are marked accordingly.
| Platform | Core environment and format | Buying or pricing information | Best suited to |
|---|---|---|---|
| Chase Media Solutions | Chase-owned channels, particularly cash-back Chase Offers, using transaction insights and purchase attribution. | Chase says brands are charged when a customer views a campaign and purchases; no public standard rate or minimum was stated on its overview. | Brands seeking measurable purchases among eligible Chase customers and able to support an incentive. |
| Amazon Ads | Sponsored ads and display, video, streaming and DSP products around Amazon commerce and media. | Amazon says sponsored ads have no upfront fee and use advertiser-controlled budgets with cost-per-click pricing; managed-service solutions typically require a $50,000 minimum spend. | Brands selling on Amazon or seeking shopping-intent, ecommerce or streaming reach. |
| Walmart Connect | Sponsored Products, Brands and Videos, onsite display, in-store and offsite media tied to Walmart’s retail environment. | Ad Center supports campaign setup; a universal rate card was not stated in the reviewed materials. | Brands distributed through Walmart seeking retail-linked omnichannel advertising. |
| Amazon Retail Ad Service | Ad-tech infrastructure for retailers building onsite sponsored-product advertising. | Demo/contact-led; public price not stated. | Retailers building their own commerce-media networks, rather than brands buying a direct Chase-like campaign. |
| LiveRamp Data Marketplace | Data distribution and audience activation infrastructure across destinations, rather than one owned media network. | LiveRamp documents CPM, programmatic-standard, hybrid and percentage-of-media pricing models for certain destinations; actual terms vary. | Advertisers or agencies seeking audience activation across multiple media destinations. |
Sources: Amazon Ads, Walmart Connect, Walmart Connect solutions, Walmart non-endemic advertising, Amazon Retail Ad Service, and LiveRamp Data Marketplace pricing documentation.
Who should consider Chase Media Solutions?
It may fit consumer brands in areas such as travel, dining, retail, consumer packaged goods and local services when purchase behavior can be measured, Chase-customer overlap is meaningful, and the business can fund a reward. It may be a weaker fit for advertisers whose priority is broad open-web reach, conventional awareness without a transaction incentive, fully transparent self-service buying, or audiences with little relevant Chase-card activity.
Chase’s potential advantage is the combination of a financial customer relationship, purchase signals, owned channels and a rewards mechanism. Whether that translates into profitable incremental sales depends on campaign economics, eligible reach, data and reporting terms, and measurement quality—not on audience scale alone.
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