diff --git a/make_post_sell/models/shop.py b/make_post_sell/models/shop.py
index b38df34..a0e7846 100644
--- a/make_post_sell/models/shop.py
+++ b/make_post_sell/models/shop.py
@@ -489,6 +489,33 @@ class Shop(RBase, Base):
             is not None
         )
 
+    @property
+    def has_offer_products(self):
+        """MPS-21: True when this shop has at least one product that
+        accepts offers, accounting for the per-product allow_offers
+        override. A product accepts offers when:
+        - product.allow_offers IS TRUE (explicit opt-in), OR
+        - product.allow_offers IS NULL and shop.offer_enabled is True
+          (default inheritance).
+        Used to gate the buyer-side "My Offers" button — a shop with
+        offer_enabled=False can still have offer-capable products via
+        the per-product override.
+        """
+        from sqlalchemy import or_
+        from .product import Product
+        q = (
+            object_session(self)
+            .query(Product.id)
+            .filter(Product.shop_id == self.id)
+        )
+        if self.offer_enabled:
+            q = q.filter(
+                or_(Product.allow_offers == True, Product.allow_offers.is_(None))
+            )
+        else:
+            q = q.filter(Product.allow_offers == True)
+        return q.first() is not None
+
     def is_ready_for_payment(self, request):
         """Check if shop is ready based on enabled payment methods."""
         # If Stripe is enabled, shop needs Stripe API keys
diff --git a/make_post_sell/templates/user_settings.j2 b/make_post_sell/templates/user_settings.j2
index a314815..916098d 100644
--- a/make_post_sell/templates/user_settings.j2
+++ b/make_post_sell/templates/user_settings.j2
@@ -189,7 +189,7 @@
     <a href="/u/purchases" class="product-download-button mps-button">My Purchases</a>
     <br/>
     <br/>
-    {% if request.shop.offer_enabled %}
+    {% if request.shop.has_offer_products %}
     <a href="/u/offers" class="product-download-button mps-button">My Offers</a>
     <br/>
     <br/>
diff --git a/make_post_sell/tests/test_functional.py b/make_post_sell/tests/test_functional.py
index 6b0db16..e833c27 100644
--- a/make_post_sell/tests/test_functional.py
+++ b/make_post_sell/tests/test_functional.py
@@ -7352,6 +7352,29 @@ class TestUserOffersBidsDashboards(_AuthenticatedBase):
         self.assertNotIn(b'href="/u/offers"', res.body)
         self.assertNotIn(b'href="/u/bids"', res.body)
 
+    def test_settings_offers_button_for_product_level_opt_in(self):
+        """Regression: shop.offer_enabled=False but product.allow_offers=True
+        still shows the My Offers button. The original gate (shop-level
+        only) missed this case — operators who flipped offers per-product
+        instead of shop-wide saw no button on /u/settings.
+        """
+        from ..models.product import Product
+        shop = self._create_shop_helper(user_creds=self.user1_creds)
+        shop.offer_enabled = False  # shop default OFF
+        product = Product(title="Per-product opt-in", description="...")
+        product.shop = shop
+        product.price_in_cents = 10000
+        product.is_physical = False
+        product.is_sellable = True
+        product.pricing_mode = 3  # offer mode
+        product.allow_offers = True  # explicit override on the product
+        self.dbsession.add(product)
+        self.dbsession.flush()
+        transaction.commit()
+
+        res = self.testapp.get("/u/settings", status=200)
+        self.assertIn(b'href="/u/offers"', res.body)
+
 
 class TestAuctionConfigForm(_AuthenticatedBase):
     """MPS-20: owner sets quantity, start/end, reserve, buy-now,
diff --git a/make_post_sell/tests/test_integration.py b/make_post_sell/tests/test_integration.py
index bb67402..73a2724 100644
--- a/make_post_sell/tests/test_integration.py
+++ b/make_post_sell/tests/test_integration.py
@@ -4051,6 +4051,41 @@ class TestAuctionFoundation(DatabaseIntegrationTests):
         self.dbsession.flush()
         return shop, product
 
+    def test_shop_has_offer_products_property(self):
+        """MPS-21: Shop.has_offer_products gates buyer-side offer UI.
+        Mirrors has_auction_products but accounts for the per-product
+        allow_offers override — a shop with offer_enabled=False can
+        still have offer-capable products via product.allow_offers=True.
+        """
+        shop, product = self._make_shop_and_product(pricing_mode=3)
+
+        # Default: shop.offer_enabled=False, product.allow_offers=None.
+        # No offer-capable products.
+        shop.offer_enabled = False
+        product.allow_offers = None
+        self.dbsession.flush()
+        self.assertFalse(shop.has_offer_products)
+
+        # Shop default enabled, product inherits NULL → True.
+        shop.offer_enabled = True
+        product.allow_offers = None
+        self.dbsession.flush()
+        self.assertTrue(shop.has_offer_products)
+
+        # Shop default disabled, but product explicitly opts in → True.
+        # (This is the case fox hit on shop.unturf.com.)
+        shop.offer_enabled = False
+        product.allow_offers = True
+        self.dbsession.flush()
+        self.assertTrue(shop.has_offer_products)
+
+        # Shop default enabled, product explicitly opts out → False
+        # (and no other offer-capable products in this shop).
+        shop.offer_enabled = True
+        product.allow_offers = False
+        self.dbsession.flush()
+        self.assertFalse(shop.has_offer_products)
+
     def test_shop_has_auction_products_property(self):
         """MPS-20: Shop.has_auction_products gates buyer-side auction UI.
         Auctions don't have a shop-level toggle — they're enabled by
diff --git a/make_post_sell/views/user.py b/make_post_sell/views/user.py
index 84e44ea..fe94c70 100644
--- a/make_post_sell/views/user.py
+++ b/make_post_sell/views/user.py
@@ -61,7 +61,7 @@ def user_offers(request):
     user = request.user
     shop = request.shop
 
-    if not shop.offer_enabled:
+    if not shop.has_offer_products:
         raise HTTPNotFound()
 
     offers = (