Does The Shops at Chase credit apply automatically?

Yes, you can get an automatic credit for The Shops at Chase. After you hit the annual spending threshold — $75,000 on the Chase Sapphire Reserve card and $120,000 on the Chase Sapphire Reserve Business card — eligible purchases with The Shops at Chase will trigger an automatic statement credit. However, you should expect that it could take 6 to 8 weeks for your statement credit to post.

Can you combine multiple credits for The Shops at Chase?

Yes, you can combine credits for The Shops at Chase across multiple years. Credits are valid for the rest of the year in which you earn them, plus the following year. Qualify in consecutive years, and you can stack your credits for up to $500 with the Chase Sapphire Reserve card and $1,000 with the Chase Sapphire Reserve Business card.

When can you earn The Shops at Chase credit?

The Shops at Chase credit on the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card is based on annual spending, so you need to spend $75,000 or $120,000 between January 1 and December 31 to earn it.

Do all types of spending on the Chase Sapphire Reserve card count toward the spending threshold?

Chase Sapphire Reserve card purchases that normally earn points count toward your spending threshold for The Shops at Chase credit, but cash advances, balance transfers, fees, and similar transactions don’t count.

Chase Sapphire Reserve Cards — How To Earn and Use the Credit for The Shops at Chase

Updated: October 8, 2025, 3:00pm CDT

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Table of Contents

Card Overviews
What Is The Shops at Chase?
How To Earn and Use The Shops at Chase Credit
Maximizing the Credit for The Shops at Chase
Is Earning Credit for The Shops at Chase Worth It?
Final Thoughts

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The Chase Sapphire Reserve^® and Sapphire Reserve for Business℠ pack in thousands of dollars in potential value each year, but The Shops at Chase credit brings more to the table for cardholders who are high spenders.

Reach an annual spending threshold with either card and you’ll unlock a luxury shopping credit for The Shops at Chase.

Here’s how the credit works, including how to earn and use it, and whether it’s worth aiming for.

Card Overviews

The Chase Sapphire Reserve card and Chase Sapphire Reserve Business card are premium travel rewards cards with robust travel perks, statement credits, and lifestyle benefits. Both cards have a hefty annual fee but offer thousands in potential value every year with airport lounge access, travel and dining credits, and protection benefits.

Many benefits are automatic but some require meeting a spending threshold, including IHG One Rewards Diamond Elite status, Southwest Airlines A-List status and Chase Travel credit, and The Shops at Chase credit.

Chase Sapphire Reserve Card Overview

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome OfferEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points

UP's Offer Valuation*:
$2,500

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

8x points on all Chase Travel purchases
5x points on Lyft rides
4x points on flights and hotels booked directly

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
Member FDIC

Financial Snapshot

APR: 20.24% - 28.74% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

8x points on all Chase Travel purchases for airline tickets, hotels (including The Edit), rental cars, cruises, activities, and tours
4x points on flights and hotels when booking directly
3x points on dining worldwide, including eligible delivery
Up to $300 in statement credits for dining at restaurants that are part of the Sapphire Reserve Exclusive Tables program (up to $150 in statement credits from January through June and again from July through December)
Complimentary Apple TV+ and Apple Music (through June 22, 2027); a value of $250 annually

Hot Tip:

Read our guide to the Chase Sapphire Reserve card’s benefits to see how it offers more than $7,000 in value.

Chase Sapphire Reserve Business Card Overview

Sapphire Reserve for Business℠

U.P. Rating

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome OfferEarn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
200,000 points

UP's Offer Valuation*:
$4,000

Annual Fee

$795

APR

18.49% - 26.49% Variable

Credit Recommended

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

8x points on Chase Travel purchases
4x points on flights and hotels booked directly
3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

Financial Snapshot

APR: 18.49% - 26.49% Variable
Foreign Transaction Fees: None

8x points on Chase Travel purchases
4x points on flights and hotels when booking directly
3x points on advertising purchases made with social media sites and search engines
Up to $400 annual ZipRecruiter credit, delivered in 2 separate $200 biannual credits
Up to $200 annual Google Workspace credit
Up to $100 Giftcards.com credit, delivered in 2 separate $50 biannual credits

Shared Benefits of Both Cards

Benefits and credits offered by both cards include:

Trip cancellation and interruption insurance, auto rental coverage, and lost luggage reimbursement
No foreign transaction fees
Up to $500 credit for stays with The Edit (up to $250 in statement credits from January through June and again from July through December)
$300 annual travel credit
Up to $300 annually in monthly DoorDash credits and a complimentary DashPass membership worth $120 annually
$120 in annual Lyft in-app credits, available as up to $10 monthly
Global Entry, TSA PreCheck, or NEXUS fee credit up to $120 every 4 years
Lounge access, including Chase Sapphire Lounge by The Club, Priority Pass, and select Air Canada Maple Leaf Lounges (when flying on a Star Alliance carrier)
Complimentary IHG One Rewards Platinum Elite status through December 31, 2027
A shopping credit for The Shops at Chase after meeting an annual spending threshold

What Is The Shops at Chase?

The Shops at Chase is a shopping platform with over 35 upscale brands, including Coach, Dell, Oakley, Samsonite, Sony, and Vitamix.

The Shops at Chase brands — Image Credit: Chase

Cardholders can purchase products using their eligible Chase card, Chase Ultimate Rewards points, or a combination of both.

To find The Shops at Chase, log in at chase.com, click the right arrow under Rewards next to your Ultimate Rewards balance. At the Rewards Home, locate the Visit The Shops at Chase link. You can also navigate via Shop Through Chase or the Chase mobile app (iOS, Android).

How To Earn and Use The Shops at Chase Credit

The Shops at Chase credit is different from most other credits on the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card. Unlike the statement credits for travel or The Edit, which apply regardless of what you spend, the credit for The Shops at Chase requires significant annual spending on your card.

Both cards offer shopping credits for The Shops at Chase, but only after you meet an annual spending threshold:

Chase Sapphire Reserve cardholders receive a $250 credit after spending $75,000 in a calendar year.
Chase Sapphire Reserve Business cardholders receive a $500 credit after spending $120,000 in a calendar year.

After meeting the spending requirement, you can access the credit for the rest of that calendar year and the following year.

You can redeem the credit by making purchases with The Shops at Chase using your eligible card that has an available credit. The credit automatically applies as a statement credit after your qualifying purchase, though it could take 6 to 8 weeks to appear. You must have earned the credit before you make a purchase with The Shops at Chase, as you can’t apply the credit retroactively to past orders.

Hot Tip:

Meeting the spending threshold for The Shops at Chase credit also unlocks IHG One Rewards Diamond Elite status, Southwest Airlines A-List status, and a $500 Southwest Airlines credit on Chase Travel.

Maximizing the Credit for The Shops at Chase

The Shops at Chase credit is a nice bonus if you’re a high spender. Here are some ways to maximize it.

Time your purchases. It’s possible to double up on credits, since credits are good for the rest of the calendar year you earn them and the following year. If you qualify in consecutive years, you can stack the credits. For example, if you earn a $250 credit in 2025, save it, and then earn another $250 credit in 2026, you could combine them to spend $500 in 2026.
Shop premium brands that rarely go on sale. By purchasing items that typically hold a premium price, such as Theragun, Ray-Ban, or Tumi, you can stretch the value of your credit.
Wait for promotions. The Shops at Chase sometimes offers limited-time promotions and bundles. Pairing your credit with a deal could add to your savings.
Use your credit before it expires. Though you have the year you earn the credit and the following year to redeem it, credits don’t roll over indefinitely. Use it or lose it.

Is Earning Credit for The Shops at Chase Worth It?

It’s nice to have $250 or $500 free to spend on premium brands, but we don’t recommend going out of your way to earn these credits. At $75,000 in annual spending for the Chase Sapphire Reserve card and $120,000 for the Chase Sapphire Reserve Business card, the credits are a drop in the bucket compared to the amount you’ll have to spend to get them.

That said, if you naturally spend that much on your card, the credit is essentially free luxury shopping money — and you should definitely take advantage of it. A $250 credit on the personal card or $500 on the business card could cover a high-quality purchase every year. Qualify in consecutive years and stack your credits, and you could have $500 or $1,000 to offset premium purchases, such as luggage, electronics, and fitness gear.

Samsonite Evolve SE Hardside — You could score a new piece of luggage with the credit for The Shops at Chase. Image Credit: Amar Hussain

Still, this isn’t a benefit you should stretch to earn. Shifting your spending or making unnecessary purchases to reach the spending threshold would outweigh the value of the credit. It’s nice if you’d qualify anyway, but not enough on its own to justify the extra spending. In comparison, automatic credits, such as the travel credit, are easier to use, while credit for The Shops at Chase is more of a bonus for heavy spenders.

It’s worth it if you can easily hit the spending threshold and find value in the other perks, including IHG and Southwest status and a Southwest credit, but it’s not worth chasing if you have to adjust your spending significantly.

Final Thoughts

Though not a headliner benefit of the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card, the credit for The Shops at Chase is a valuable bonus if you spend heavily on your card.

If you naturally spend $75,000 or $120,000 on your card each year, the credit offers easy luxury shopping credit — and you can combine your credits if you qualify in consecutive years. But if you wouldn’t otherwise hit the required spending level, this isn’t a benefit worth chasing.