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If you recently noticed a Chase Offer for Trust & Will promising "$199 back after spending $199," you're probably wondering whether it's actually as good as it sounds.
For many eligible cardholders, it is. The targeted Chase Offer can effectively cover the full cost of Trust & Will's basic Individual Will plan, making it a valuable non-travel Chase Offers. However, it isn't available to everyone, and that doesn't automatically mean you should create estate planning documents just because they're free.
This guide explains exactly how the Trust & Will Chase Offer works, who's eligible, what Trust & Will actually provides, and when the offer makes sense versus hiring an estate planning attorney.
This is an offer available on the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card cardholders to earn a $199 statement credit after spending $199 or more directly with Trust & Will before the offer expires.
A basic Trust & Will Individual Will currently costs $199, meaning the statement credit can effectively reduce your net cost to $0 if you meet the offer terms.
If you've already been planning to create a will or trust, this is one of the best Chase Offers available. If you don't actually need estate planning yet, the offer alone isn't a reason to buy.
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The Trust & Will Chase Offer is a targeted Chase Offer for Chase Sapphire Reserve® and Chase Sapphire Preferred® Card cardholders that gives eligible cardholders a one-time $199 statement credit after spending at least $199 directly with Trust & Will. The current promotion runs through October 5, 2026, for enrolled cardholders.
Some cardholders have also reported seeing a smaller version of the promotion (spend $150, earn $50). If the offer appears in your account, you must:
1. Add the offer to your eligible Chase card.
2. Purchase directly from Trust & Will.
3. Spend at least $199 before the expiration date.
4. Wait for the statement credit to post.
Trust & Will is one of the largest online estate planning platforms in the United States.
Instead of working directly with an attorney, you answer a guided questionnaire that generates state specific estate planning documents designed by attorneys. The company offers several estate planning packages depending on your situation.
Common products include:
Individual Will
Couples Will
Revocable Living Trust
Power of Attorney
Advance Healthcare Directive
HIPAA Authorization
You can also add an attorney support option to your checkout which costs an additional $299 where you can schedule 30 minute consultations with a licensed estate planning attorney for a full year.
At checkout, Trust & Will also presents optional add-ons before you pay: the $299 Attorney Support option described above, plus a $49-per-year update membership covering unlimited document updates, secure storage, and free shipping.
This matters for the Chase Offer math: only your base plan purchase is guaranteed to net out to $0 under the $199 statement credit. Accepting either add-on increases your total charge, so the credit covers a smaller share of what you actually pay.
For many people with relatively straightforward financial situations, these documents cover the basics of estate planning.
For example, a will can:
specify who inherits your assets;
name guardians for minor children;
appoint an executor; and
document certain end-of-life wishes.
A revocable living trust goes further by helping certain assets avoid probate while providing additional control over how assets are managed and distributed. Whether a trust makes sense depends on your financial situation, state laws, and estate planning goals.
Trust & Will isn't trying to replace every estate planning attorney. Instead, it's designed to provide a simpler, lower cost option for individuals and families whose needs aren't especially complex.
The mechanics are straightforward. After adding the offer to your card, Chase tracks qualifying purchases made directly with Trust & Will.
If your purchase meets the minimum spending requirement, Chase automatically issues a statement credit.
Like other Chase Offers:
you must activate the offer first;
purchases must be made directly with the merchant;
third-party payment providers generally don't qualify; and
the offer is typically valid once per enrolled card.
For someone purchasing Trust & Will's $199 Individual Will plan, the math is simple.
Purchase | Statement credit | Effective cost |
|---|---|---|
Individual Will ($199) | $199 | $0 |
Couples Will ($299) | $199 | $100 |
Individual Trust ($499) | $199 | $300 |
Couples Trust ($599) | $199 | $400 |
Before you enter any personal details, Trust & Will asks you to confirm which plan you're interesting in buying.
The Will Plan ($199) includes a Last Will & Testament, HIPAA Authorization, Power of Attorney, and Advance Health Care Directive. The Trust Plan (starting around $499) includes everything in the Will Plan plus a Revocable Living Trust, Schedule of Assets, and Certification of Trust, and is marketed around helping your estate avoid probate court.
If you start with the cheaper Will Plan and later decide to upgrade, Trust & Will applies what you already paid toward the cost of the Trust Plan.
For the right person, yes.
If you've been putting off creating a will because of cost, getting a $199 statement credit can remove the entire financial barrier for an Individual Will plan.
However, "free" shouldn't be the only reason you create legal documents. Estate planning only works if the documents actually fit your circumstances.
Someone with a more complex situation may still benefit from working with an experienced estate planning attorney rather than relying entirely on an online platform.
One of the biggest questions readers have isn't whether the Chase Offer is good; it's whether Trust & Will is the right solution in the first place.
The answer depends on how complicated your estate is. Good candidates include:
Young professionals who don't yet have a will
Newly married couples
New parents naming guardians for children
Homeowners with relatively straightforward estates
Anyone who has delayed estate planning because of cost
For many adults with straightforward finances, an online estate planning platform can be an affordable way to create legally valid documents. Trust & Will guides you through a questionnaire and generates state specific documents that you review, sign, and execute according to your state's requirements.
An attorney, on the other hand, provides personalized legal advice. That becomes much more valuable if your situation involves:
A blended family
Business ownership
Multiple real estate properties
Significant investments
Special needs planning
Complex tax considerations
Assets in multiple states
Here's a quick comparison.
Option | Typical Cost | Best For | Legal Advice | Chase Offer Eligible |
|---|---|---|---|---|
Trust & Will Individual Will | $199 | Simple estates | No | Yes, if you have the targeted Chase Offer |
Trust & Will Trust Plan | From $499 | Homeowners and more complex planning | No | Yes, partial credit if eligible |
Estate Planning Attorney | Often several hundred to several thousand dollars depending on complexity | Complex estates | Yes | No |
The Chase Offer makes Trust & Will significantly more attractive financially, but it doesn't replace the value of personalized legal advice when your estate requires it.
Finally, remember that receiving estate planning documents is only part of the process.
You'll still need to properly sign, witness, and, where required, notarize your documents according to your state's laws. If you go with a trust, you'll also need to fund it by transferring eligible assets into the trust. Simply creating a trust without funding it may not accomplish your intended estate planning goals.
It also helps to know what happens right after you pay. Trust & Will's post-checkout flow walks you through four steps one at a time: review and confirm your order, complete your plan by answering a guided questionnaire, download or have your documents shipped, and finally sign and notarize them according to your state's requirements.
Importantly, the $199 charge that triggers your Chase statement credit happens at the order-confirmation step… before you've actually finished entering your estate planning details or executed any documents.
The Trust & Will Chase Offer is a valuable Chase Offers we've seen recently because it can effectively eliminate the cost of creating a basic estate plan for eligible cardholders.
If you've been putting off writing a will because of the expense, receiving a full $199 statement credit can make this an easy decision. The promotion turns an important financial planning task into something that may cost you little or nothing out of pocket.
That said, don't let the discount make the decision for you.
Trust & Will is an excellent option for many straightforward estates, but it's not the right solution for everyone. If your finances or family situation are more complex, the additional cost of working with an experienced estate planning attorney may be well worth it.
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No. The promotion is a targeted Chase Offer available to Chase Sapphire Reserve® and Chase Sapphire Preferred® Card cardholders, which means only eligible cardholders will see it in their Chase Offers dashboard.
Eligible cardholders can receive a one-time $199 statement credit after spending at least $199 directly with Trust & Will before the offer expires. That means the Individual Will plan, currently priced at $199, can effectively cost $0 if all offer requirements are met.
Yes. Trust & Will is a well established online estate planning company that offers attorney designed, state specific estate planning documents, including wills, trusts, powers of attorney, and healthcare directives. Millions of Americans have used online estate planning platforms, although more complex situations may still warrant hiring an attorney.
It depends on your situation. Trust & Will works well for many people with relatively straightforward estates, while an estate planning attorney is generally a better choice for complex family structures, business owners, significant assets, or specialized planning needs.
Yes, provided your purchase qualifies under your targeted Chase Offer terms. However, the statement credit is capped at $199, so higher priced trust plans still require you to pay the remaining balance out of pocket.
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Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
