What are Personal vs Standard Offers?

Personal Offers

Several banks have card-activated offers which go by different names. These are targeted per person, and differ card to card with most banks.

Each bank has their own name for them: Amex Offers, Chase Offers, BankAmeriDeals, Citi Merchant Offers, Wells Fargo Deals, US Bank Deals, etc.

The banks require adding them to your card (sort of like clipping a coupon), and once added you need to use the card that the offer was added to in order to get the cash savings or points multiplier associated with the offer. Most cards have 100s of these available at any time.

These offers are almost never recurring, so once activated you have a set period of time to use it before the end date, then that offer disappears.

The CardPointers extension can auto-add and sync all of those offers to your CardPointers account so that they're integrated throughout the app and extension. The extension works in browser, so after turning it on you'll want to log into each bank website that you use, eg AmericanExpress.com, and not the bank's mobile app, as extensions run in browser.

Standard Offers

These are offers which every person who has the card has access to. Some banks (notably Amex) require some of these standard offers to be enrolled manually, often requiring entering a partner hotel or airline number to associate with it.

These also go by different names depending on the bank; Amex calls these Card Benefits for instance.

These are almost always recurring offers, and are automatically added to the Offers tab of the CardPointers app to help you track. There are typically less than 5-10 per card.

CardPointers does not enroll these for you due to that requirement, but you'll always see these kinds of offers have language in the subtitle of the offer that reads "enrollment required". Most of these offers you only have to enroll once and you'll get that credit during its normal cycle (often monthly, quarterly, and annually) automatically so long as you spend at that merchant on that card.

Tracking Spend

CardPointers does not harvest transaction data as that's got really big security + privacy implications. Since most users check the app to know which card to user for every purchase, those standard + personal offers are front and center in each pointer screen, as well as in the extension, to make it just one tap away.