The Chase Ultimate Rewards program is one of the most flexible and easy to use rewards programs out there. These points can be transferred to several hotel and airline loyalty programs, used directly for airline tickets, or redeemed for cash-back.
If you have a credit card that earns Ultimate Rewards, you can easily earn even more through the Chase online shopping portal. Here’s what you need to know about Shop Through Chase.
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Table of Contents
How to Log in and the Basics of Using the Program
To access the Ultimate Rewards mall, you will need to log in to your Chase account. This does require that you have a Chase credit card. If you don’t have one yet, you will not be able to utilize the online portal.
If you have multiple Chase credit cards, you will need to select one of them to access the Chase shopping portal during the login process. This is important because different cards can give you different payout rates to various stores at any given time.
There are 2 ways to navigate to Shop Through Chase:
- Log in at Chase.com, then click on the right arrow under “Rewards” next to your Ultimate Rewards balance. This takes you to the Rewards Home. Scroll down until you see Shop Through Chase and click to proceed.
- Navigate to Shop Through Chase directly.
Making a Purchase on Shop Through Chase
After you have logged in to the Chase Ultimate Rewards mall and chosen the card through which you’d like to access the portal, you can search for the store you want and see how many additional points you can earn.
Let’s assume you have a purchase at Sears coming up. At the time of writing, you would have been able to earn 1 extra Ultimate Rewards point per dollar spent on purchases at sears.com.
To earn the bonus rewards, you will need to click on the retailer and select the button that shows up saying “Shop This Offer.” You’ll then be redirected to sears.com where you can complete a purchase and earn your points!
Hot Tip: To ensure that you receive rewards for your transaction, only use coupon codes from the Shop Through Chase mall and do not click out to another site once you’ve clicked from Shop Through Chase and started your purchase (this can interfere with tracking cookies).
How Ultimate Rewards Points Are Credited
If you’ve finalized an online purchase that was started through Shop Through Chase, Chase alerts the store. The store then alerts Chase if the purchase was eligible for Ultimate Rewards points and Chase in turn adds the points to your account.
The points should appear on your Shop Through Chase “My Shopping Details” page within 3 to 5 days of your purchase (though points may take up to 45 days to post to your page, depending on the retailer). The points should post to your Rewards Activity account within up to 2 billing cycles (60 days).
Chase can only research transactions made with the past 180 days (6 months), so if you have an issue with points posting, contact Chase to investigate any issues.
Special Shopping Offers
Many of the online shopping portals will have occasional special shopping offers where even more bonus miles will be awarded for spending different amounts of money. Unfortunately, Shop Through Chase has not offered any of these in the past.
However, it does tend to rotate the retailers in the portal and change the rewards available at each one, so check back frequently to see if a new store or a new earning rate is available!
Hot Tip: Want to double up on your rewards? Check your Chase Offers to see what extra discounts you are eligible for! These will stack with any extra rewards you earn through Shop Through Chase.
The number of Ultimate Rewards you can earn and the participating retailers at Shop Through Chase change from time to time. At the time of writing, these were some of the higher-earning rates available through the portal when clicking through with a Chase Sapphire Reserve® Card.
- AT&T Wireless: 3,000 points
- Flowers by Florists.com: 15 points per $1
- Magazines.com: 10 points per $1
- YSL Beauty: 7 points per $1
- Gucci: 5 points per $1
- Saucony: 4 points per $1
Hot Tip: If you have different cards that earn Ultimate Rewards, check the rate at your desired store using each card since the available rewards can vary. You can easily check all of the rates at any store using CashBack Monitor.
Using Credit Cards to Earn Extra Points
You’ll be racking up bonuses from shopping through the portal, but you should also try to put your purchase on a credit card that will be rewarding on its own.
If your main focus is earning Ultimate Rewards points, you’re in luck! Many great cards earn Ultimate Rewards, which are extremely flexible and can be transferred to several airline and hotel loyalty programs.
For cards that earn other currencies, you should consider whether the purchase you are going to make falls into a bonus category to maximize your rewards.
Hot Tip: If something goes wrong with your points after making a purchase, you may have trouble claiming them if you did not use a Chase card to pay.
Recommended Chase Cards (Personal)
|Chase Sapphire Preferred® - This is our favorite beginners travel rewards card, which is currently offering a 60,000 point bonus after you spend $4,000 on purchases in the first 3 months from account opening. |
In addition, the card earns 2x points on dining at restaurants including eligible delivery services, takeout and dining out and travel and 1 point per dollar spent on all other purchases. With offering other travel benefits such as excellent travel insurance coverage and no foreign transaction fees , this card is a very rewarding Chase credit card.
The sign up bonus is worth $750 in travel purchases (flights, hotels, car rentals etc) when you redeem your points through Chase's travel portal, which works like Expedia.
|Chase Sapphire Reserve® - This premium card will get you access to 1,000+ airport lounges. as well as a number of other card benefits. The current sign up bonus is 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $550 annual fee. As an extra bonus, from 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit.|
|Chase Freedom Unlimited® - A fantastic, no annual fee card that earns you a $200 bonus after you spend $500 in your first 3 months. Earn 5% cash-back on travel purchases through Chase Ultimate Rewards, 3% cash-back on dining and drugstore purchases, and 1.5% cash-back on all other purchases, but you won't get any travel benefits with this card.|
Business Owner? See our article on Chase business credit cards that earn Ultimate Rewards.
Recommended Amex Cards (Personal)
|The Platinum Card® from American Express - There's currently a new welcome bonus offer of 75,000 Membership Rewards Points after spending $5,000 on purchases in your first 6 months of Card Membership. Plus, earn 10x points in the first 6 months on eligible purchases at U.S. Gas Stations and U.S. Supermarkets (on up to $15,000 in combined purchases).|
This is our #1 card for accessing 1,300+ airport lounges worldwide (including Priority Pass). We leverage ~$3,000+ in benefits and perks from the card every year. Terms Apply. For rates and fees of the Amex Platinum Card, click here.
|American Express® Gold Card - We love using this card as it earns 4x points at restaurants worldwide, including takeout and delivery, and 4x points at U.S. supermarkets (up to $25,000 per calendar year; then 1x. Terms Apply). There's no better card in our opinion if you eat out and/or shop at supermarkets regularly; and you'll have access to many benefits and perks.|
With a welcome bonus of 60,000 points after you spend $4,000 in your first 6 months, it's a strong choice. For rates and fees of the Amex Gold Card, click here.
Business Owner? See our insights on the best Amex business cards that earn Membership Rewards.
Using Shop Through Chase is an easy way to earn some bonus Ultimate Rewards for your purchases. Unfortunately, Chase does not also offer a dining program, though several airlines and hotels offer programs to earn additional points and miles when dining.
Chase’s shopping portal is a great addition to your earning strategy, and could even help you to earn 100k Chase Ultimate Rewards points in just 3 months!
While you don’t have to pay with a Chase card to earn the rewards, if something goes wrong with your order you’ll have more luck claiming your bonus points if you did pay with a Chase card.
Don’t forget to click through and earn some bonus points for your next online purchase! The more Ultimate Rewards points you have, the closer you’ll be to redeeming them for an awesome vacation.