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If you are warned rewards card member looking for points, chances are you’ve learned how to maximize your reward categories in order to get the most points from your purchases. But unfortunately a Discount rate survey earlier this year it was found that 55% of rewards credit card holders who don’t have a balance miss out on rewards.

An often overlooked and underrated rewards opportunity is with your card issuer. online shopping portal. If you have an eligible Chase the credit card, the Shop Through Chase program can make your normal online shopping an underrated source of bonus points.

What is Shop Through Chase?

Shop Through Chase is the Ultimate rewards program online shopping portal. It rewards you for your purchases from hundreds of participating retailers using special offers, which include bonus points for every dollar spent and other discounts. The traditional offers you might see are akin to a “buy one, get, etc.” Or a percentage on a certain product or on the whole site.

How much can you earn with Shop Through Chase?

The virtual mall’s retail catalog and promotional offers change over time, so the exact reward rates may be different each time you visit. You will usually see bonus point offers to earn 1-8 Ultimate Reward points per dollar spent, but mostly in the 1-4 points per dollar range.

That’s a good deal, as Ultimate Rewards points are among the most valuable card rewards – worth 2 cents a piece, according to The guy at the points.

Here’s the best part: The points earned with Shop Through Chase are unlimited. If you choose to use your Ultimate Rewards card at checkout, you can also earn your standard reward rate in addition to the Shop Through Chase bonus.

Unless there is a merchant-specific restriction on an offer (you might not be able to purchase gift cards, for example), no spending limit means you could earn significantly more points on an offer. large purchase simply by clicking on the retailer’s Shop Through Chase link.

Your Shop Through Chase rewards can also be worth 50% more if you redeem them for travel with the Chase Sapphire Reserve® menu. Let’s say you’re in the market for a new mattress and a $ 1,295 Casper Extra Large Memory Foam Mattress at Macy’s catches your eye. You can use the Chase Freedom Unlimited® alone to earn approximately $ 19.43 in cash back, or 1,943 points. If Macy’s offered a Shop Through Chase 3X deal, your new mattress would earn a total of 5,828 points – or $ 87.42 for travel if you transfer and redeem with Sapphire Reserve.

Who can use Shop Through Chase?

Since Shop Through Chase is only accessible after logging into the Ultimate Rewards website, your credit cards must earn Ultimate Rewards points in order for you to be eligible. At the time of writing, seven hunting cards meet these requirements, counting the three Chase business cards.

This includes Chase’s cash back cards, as they originally earn Ultimate Rewards points which can be redeemed for cash back (1 point = 1 cent). Unfortunately, this means that Chase co-branded cards – like airline and hotel cards – do not qualify for Shop Through Chase.

Best Cards To Use With Shop Through Chase

Determining the best cards to bolster your Shop Through Chase rewards comes down to which ones match your spending and preferred redemption options. After all, a shopping portal is useless if there is nothing you want to buy.

Here are four credit cards that can earn and maximize reward points on Shop Through Chase purchases:

Menu Reward rate Annual subscription
Chase Freedom Unlimited®
  • 5% cash back on trips purchased through Chase Ultimate Rewards and on Lyft races (Lyft offer through March 2022)
  • 3% cash back on restaurant and drugstore purchases
  • 1.5% cash back on all other purchases
$ 0
Chase Freedom Flex℠
  • 5% cash back on activated quarterly bonus category purchases (up to $ 1,500, then 1%), Chase Ultimate Rewards travel purchases and Lyft races (Lyft offer through March 2022)
  • 3% cash back on restaurant and drugstore purchases
  • 1% cash back on all other purchases
$ 0
Chase Sapphire Preferred® Card
  • 5X total Ultimate Rewards points on Lyft purchases through March 2022
  • 2X Ultimate Rewards points on travel and meals
  • 1X Ultimate Rewards points on all other purchases
$ 95
Chase Sapphire Reserve®
  • 10X total Ultimate Rewards points on Lyft purchases through March 2022
  • 3X Ultimate Rewards points on travel and meals
  • 1X Ultimate Rewards points on all other purchases
$ 550

For the most consistent rewards, the Chase Freedom Unlimited card guarantees at least 1.5% cash back on all Shop Through Chase purchases.

However, a rotating bonus category card like the Chase Freedom Flex℠ could earn you up to 5% cash back (up to $ 1,500 per quarter on an activated category, then 1%). The tradeoff is that you’ll have to keep your fingers crossed for a Shop Through Chase offer to align with your bonus categories.

While Chase Travel Cards are not as effective for Shop Through Chase retailer bonus categories, the Chase tiercé can maximize your bonus shopping points if you save rewards for a future getaway. The Chase Sapphire Reserve increases the value of your points by 50% when you redeem them for travel with Ultimate Rewards, for example.

How the Shop Through Chase feature works

Using Shop in Chase is a snap because it basically works like a promotional referral link. All you have to do is choose the card account you use after logging in, click on “Earn Bonus Points” and then search for a retailer. You can find a complete list of retailers and their current offerings under “Browse by Merchant”. Once you find the special offer you are looking for, clicking “Buy this offer” will redirect you to the retailer’s site to complete your purchase.

Once your purchases are complete, your Shop Through Chase bonus points will appear in your account on your next statement.

Which stores are on Shop Through Chase?

The Shop Through Chase store list contains over 200 retailers, mostly in these categories:

  • Department stores, like Macy’s, Kohl’s and Sears.
  • Clothing, like Nike, LL Bean and Banana Republic.
  • Beauty and accessories, like Ulta, Ray-Ban and Sephora.
  • Electronics, like Microsoft, Apple, and Lenovo.
  • Home improvement, like Home Dept and Lowe’s.
  • Services and subscriptions, such as Verizon, AT&T Wireless, and BlueApron.
  • Business expenses, like, FedEx, and Staples.

Pragmatic shoppers trying to earn bonus rewards on everyday essentials might have a harder time. Similar clothing and online shopping deals usually outnumber these deals, but every now and then you’ll see bonus point offers from retailers like Walmart and

Buy from Chase vs. Chase

If you are looking to take advantage of special offers that match the bonus categories of your card, you may have better luck with Hunting offers. This program works much like Shop Through Chase, but it is available with all Chasing Credit Cards.

The offers available from both programs change regularly, but the Chase offers focus on merchants in common bonus categories so you can “stack” your rewards. Instead of bonus point rates on virtual shopping malls, Chase offers a limited time cash back rate on every offer you activate for certain physical and online merchants. For example, you can activate multiple 10-day offers at once to earn 10% cash back credit on purchases at Starbucks, Circle K, Airbnb, and more.

Additionally, Chase offers generally don’t require you to purchase through a specific link to earn the bonus. Once you have activated the offer on your eligible card, all you have to do is make the purchase as usual. This means that you can use a combination of Shopping Through Chase and Chase offers to maximize your shopping rewards across a wider range of spend categories.

Tips for Getting the Most Out of Shop Through Chase

When used effectively, Shop Through Chase can help you build up your point pool. Here are some tips to get you started:

  • Check back regularly. Shop Through Chase promotions are constantly changing, so keep your eyes peeled for an opportunity.
  • Read the conditions of the offer carefully. While the bonus points earned through Shop Through Chase are unlimited, each merchant can have restrictions on their bonus offers, such as how many points you can earn or what you can buy.
  • Look for an offer before a large purchase. If you have any major upcoming purchases that can be made online, such as your holiday shopping – First check Shop Through Chase to collect easy points.
  • Stack up other reward opportunities. It may take a little more elbow grease, but aligning your bonus categories with Shop Through Chase (and maybe Chase offers, if you’re lucky) can be a fruitful driver for additional rewards.
  • Boost your travel rewards. If you have any of the Chase Sapphire Credit Cards or the Ink Business Preferred® Credit Card, you can increase the value of your points from Shop Through Chase.

Is it worth shopping in Chase?

Because the only prerequisite is having a card in the Ultimate Rewards program, Shop Through Chase is a great opportunity to sprinkle extra points on top of any retail purchases you’ve already planned to make. The rewards don’t always match your credit card rewards, but an unlimited 1-10 point cashback on a large purchase can mean the difference in cash back or travel.


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