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 a number of 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 shopping portal. Here’s what you need to know about Shop Through Chase.
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How To Log in & Basics of Using The Program
In order to access the Ultimate Rewards mall, you will need to log in to your Chase account. This does require that you have one of their credit cards. 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.
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 2 extra Ultimate Rewards points per dollar spent on purchases at Sears.com.
In order to earn the bonus rewards, you will need to click on the retailer and select the button that shows up saying “Shop Now.” You’ll then be redirected to Sears.com, where you can complete a purchase and earn your points!
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 the Chase shopping portal.
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 a number of 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.
Below you’ll find the cards that earn Ultimate Rewards points. Remember that you’re not limited to only using the cards listed below in the Shop Through Chase portal!
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® Card - This is our favorite beginners travel rewards card which has a 60,000 point bonus (highest ever) after you spend $4,000 on purchases in the first 3 months from account opening. |
This 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. The bonus alone could get you multiple round-trip flights or hotel stays.
|Chase Sapphire Reserve® - Consider this premium card if you want to get into a lot of airport lounges. 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 $450 annual fee.|
|Chase Freedom Unlimited® - A simple, no annual fee card that earns you 3% cash-back on all purchases in your first year (up to $20,000 spent), then 1.5% on all purchases after that. Just know that you won't get any travel benefits or the ability to earn bonus points with this card.|
Business Owner? See our article on Chase business cards that earn Ultimate Rewards.
Recommended Amex Cards (Personal)
|The Platinum Card® from American Express - There's currently a welcome bonus of 60,000 points after spending $5,000 in your first 3 months. This is our favorite card for getting into 1,200+ airport lounges worldwide (including Priority Pass) and we get about $1,500+ in value from the card every year. |
Plus, get up to $200 in Uber credits annually ($15 per month and a $20 bonus in December) — and up to $200 in annual credit for airline incidental charges (e.g. baggage fees). For rates and fees of the Platinum Card, click here.
|American Express® Gold Card - We love using this card as it earns 4x points at restaurants worldwide and 4x points at US supermarkets (up to $25,000; then 1x). There's no better card in our opinion if you eat out and/or shop at supermarkets regularly.|
With a welcome bonus of 35,000 points after you spend $2,000 in your first 3 months and a $100 airfare credit per year, for many this is an easy addition to your wallet. For rates and fees of the Gold Card, click here.
Business Owner? See our article on Amex business cards that earn Membership Rewards.
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, the Chase shopping portal has not offered any of these in the past.
However, they do 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 earnings rate is available!
The number of Ultimate Rewards you can earn and the participating retailers in the Chase shopping portal 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®.
- Proactiv: 20 pts/$1
- Teleflora: 10 pts/$1
- Omaha Steaks: 6 pts/$1
- Sephora: 5 pts/$1
- Nike: 4 pts/$1
- Bose: 3 pts/$1
- …and many more!
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 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.
The shopping portal is a great addition to your earning strategy, and could even help you to earn 100k Chase Ultimate Rewards in just 3 months!
While you don’t have to pay with a Chase card in order 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 you have, the closer you’ll be to redeeming an awesome vacation with your Ultimate Rewards points.