How to Use the Chase Shopping Portal to Earn More Points [2021]

Chase Ultimate Rewards Shopping Portal

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

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.

How to Log in and the Basics of Using the Program

chase ultimate rewards shopping login
To access Shop Through Chase, you’ll have to log in to your Chase account. Image Credit: Chase

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:

  1. Log in at, 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.
  2. 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.

Shop Through Chase homepage
Shop Through Chase homepage. Image Credit: Chase

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

Shop Through Chase Sears
At the time of writing, you could earn 1 bonus point per $1 spent at Image Credit: Chase

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 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.

Example Retailers

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 15 points per $1
  • 10 points per $1
  • YSL Beauty: 7 points per $1
  • Gucci: 5 points per $1
  • Saucony: 4 points per $1
Shop Through Chase featured stores
There are even more stores with bonus points available using Shop Through Chase. Image Credit: Chase

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® Card - 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. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

The card earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases, plus more. Enjoy a $50 annual Ultimate Rewards Hotel Credit, and other travel benefits such as excellent travel insurance coverage, including car rental insurance and no foreign transaction fees, this card is a very rewarding card.
Chase Sapphire Reserve® - This premium card will get you access to 1,300+ 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, until 12/31/21, gas station & grocery store purchases will also count towards earning your Travel Credit.

Earn big with this card, earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.
Chase Freedom Unlimited® - A solid, no-annual-fee card that earns you a $200 bonus after you spend $500 in your first 3 months. Earn 5% cash-back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, and 5% on travel purchases through Chase Ultimate Rewards. Plus, earn 3% cash-back at restaurants, including takeout and eligible delivery services, and drugstore purchases, and 1.5% cash-back on all other purchases.

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 60,000 100,000 Membership Rewards Points after spending $6,000 on purchases in your first 6 months of Card Membership. Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.

This is our #1 card for accessing 1,300+ airport lounges worldwide, including Priority Pass (enrollment required). We leverage ~$4,900+ 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 - This card has a welcome bonus of 60,000 Membership Rewards points after spending $4,000 on purchases in your first 6 months of Card Membership.

We love using this card as it earns 4x Membership Rewards Points at restaurants, including takeout and delivery, and earns 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x).

With an annual fee of $250, 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. Terms apply and 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.

Final Thoughts

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.

Frequently asked questions

What kind of points do I earn when I use Shop Through Chase?

The points earned are the bank’s transferable points currency: Chase Ultimate Rewards points. These can be transferred to a number of airline and hotel partners, including United and Hyatt, or used for great travel rewards.

Do the points I transfer from Chase to another program count toward status?

Unfortunately, points transferred will not count toward status. You can use those points to redeem for free flights and nights at hotels.

What are Ultimate Rewards Points worth?

The value of Ultimate Rewards depends on how you use them. A low-value redemption, like redeeming for cash, will give you 1 cent per point. Redeeming for a first class ticket could easily give you a value upwards of 7 cents per point.

What hotel and airline programs can I transfer my Ultimate Rewards Points to?

The Chase Ultimate Rewards program has great airline and hotel travel partners that include some of the best loyalty programs available for reward travel! See here for the most updated list of Chase transfer partners.

Will my Ultimate Rewards points expire?

As long as you keep a credit card open that earns Ultimate Rewards, your points won’t expire. If you are going to cancel all of your credit cards with Chase, you should first transfer your points to another program.

Is there a limit to the number of points I can earn using the Chase shopping portal?

There is no limit to the amount of rewards you can earn through Shop Through Chase.

How do you use Shop Through Chase?

To access Shop Through Chase you just need to log in to your account and click through to a retailer’s website. You can continue to shop as normal and any purchases will be tracked using cookies for your Ultimate Rewards to be awarded to your account.

Does Chase have a shopping portal?

Yes, Chase has a shopping Portal called Shop Through Chase. Just log in to your Ultimate Rewards account and select “Shop through Chase.” You’ll then be able to take advantage of bonus points by shopping online with participating retailers.

Caroline Lupini

About Caroline Lupini

Caroline Lupini always enjoyed traveling, but it became her goal to do as much as possible after a 3-week trip around Europe in 2011. In March 2014, Caroline left her job and embarked on nearly full-time travels.  As a frequent traveler, frequent flyer miles have played a large role in planning her trips. Caroline has enjoyed discovering the ins and outs of how to maximize different types of miles, hotel points, and transferable points currencies.

Urgent Report:

How to Beat the Crowds & Lock In Affordable Travel While You Still Can...

With lockdowns ending, the demand for travel is surging to record levels - and so are prices.

We’ll show you the strategies and tools to unlock huge savings, but that window is closing fast - so you need to get on this right now.

Download our last-chance playbook here:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Thanks for the article! I’ve been using Shop Through Chase for a few years and have always gotten the bonus points. However, starting this year 2019, none of my 5 purchases from Shop Through Chase received points. I contacted Chase about this and they were of no help since I didn’t charge the purchases on a Chase card. This is very disappointing and I felt a bit cheated by Chase as I could have made the purchases through another portal to earn points.


  2. Maybe a silly question, but I don’t understand the partners on the Shop through Chase portal that offer 1 point/dollar because that’s already the rate at which you earn points with Chase Sapphire purchases. Does this mean one additional point per dollar spent in addition to the 1 pt/dollar you would already earn?


  3. Armesta Lynn September 6, 2019

    Can I use my Amazon card to buy from just the Amazon site or any site like JCPenny?


  4. I read that you cannot use additional discount code when shopping through the Chase portal. Is this correct?


  5. Ernest Merrill February 25, 2020

    What can I use points on?


  6. Can I use my existing reward points to pay for purchases made through the Chase shopping portal? If so, will I get points for the purchase even if I pay using rewards?


    • Hi Ed,

      Unfortunately, you cannot use your Ultimate Rewards points to pay for purchases through the Chase shopping portal. You can however use them as a payment method with Amazon and Apple when you like your Ultimate Rewards earning card as a payment method.


  7. Just to confirm — You CAN use a non-Chase card in the Shop Through Chase portal and still receive points – Is that correct? For example, my Chase card would only give me 1% back on the purchase (not including the STC bonus). However, I have another card that gives 2% on everything. Could I use the 2% non-Chase card and still receive my STC portal points?



  8. The Q4 freedom 5% category is Paypal, right? So if I use the shopping portal which gives 7% for Gucci, and if I use PayPal to pay, will I get 12%? Or is it still only 7%?


    • Hi Veer,

      If you use PayPal to pay, and have your Freedom card linked as the payment method on PayPal, then you should receive 12% back for the purchase. Thanks for reading!


  9. I have a question, once I click on a vendor that offers extra points through the chase shopping portal, do I also have to pay with one of my chase cards in order to get those extra ultimate rewards? Or do I still get the ultimate rewards in the shopping portal offer even if I pay, let’s say, with my venture capital one visa (which offers 2x on every purchase, which makes it the best option for, say, clothing or department stores)? Thanks


    • Hi Alexandra,

      You should be able to use whatever card you’d like and still be rewarded with the Ultimate Rewards points for shopping through the portal.


Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.