Key takeaways
- The Shop Through Chase program allows cardholders to earn additional Ultimate Rewards points through the portal when they shop at participating retailers.
- The program offers bonuses ranging from 1X to 15X points per dollar spent on eligible purchases, making it a valuable way to accumulate rewards.
- Shop Through Chase can be used in conjunction with Chase Offers and a top Chase credit card for even more rewards and savings.
Credit card rewards are extremely valuable — from helping you book award tickets for your next trip to helping you pay off a purchase, there are a myriad of ways to leverage them.
If you’re looking to get even more out of your rewards credit card, shopping portals can offer immense value. The Shop Through Chase program allows cardholders to accrue additional points from their regular purchases when they link through the program. With an eligible Chase credit card, the Shop Through Chase program can help you to earn even more rewards and additional deals on your routine online shopping.
What is Shop Through Chase?
Shop Through Chase is the online shopping portal for Chase Ultimate Rewards. This program rewards you for shopping with hundreds of participating retailers. When you visit the program portal, you’ll find offers that can include discounts on your purchases as well as opportunities to earn additional Ultimate Rewards points for your order.
For example, you may receive up to 2X points per dollar spent on your order with a retailer such as Macy’s. The program also aggregates retailer sales, offering easy ways to see the best promo codes to use for an additional discount.
How much can you earn with Shop Through Chase?
The program’s catalog of retailers and promotional offers changes often, so exact reward rates can vary. You’ll typically see offers to earn anywhere from 1X to 15X Ultimate Rewards points, with most offers landing in the 1X to 4X points range.
Some retailers may have different rewards rates for different product categories. For example, Home Depot offers 3X points on interior furniture, kitchenware, bedding and home decor (excludes fans, blinds and lighting) purchases and 1X points on appliances and all other purchases. Other retailers may offer a lump-sum bonus instead of rewards based on a percentage of the purchase.
Shop with Chase can be a better deal than other shopping portals because Ultimate Rewards points are among the most valuable rewards. They can be worth around 2.0 cents apiece when transferred to a high-value travel partner, according to Bankrate’s latest valuations.
The best part is that you can earn unlimited points with Shop Through Chase, as it can scale to your order total. If you choose to use your Ultimate Rewards-earning card at checkout, you can also earn your standard credit card rewards on top of the Shop Through Chase bonus offer. Unless there’s a merchant-specific restriction on a deal (you might not be able to buy gift cards, for instance), no spending limit means you could earn considerably more points on a large purchase just by clicking the retailer’s Shop Through Chase link.
Shop Through Chase rewards example
Let’s say that you’ve been in the market for a new laptop. Lenovo, a retailer in the program at the time of writing, has a 14-inch Yoga 9i 2-in-1 Aura Edition laptop available for $1799.99. Here’s how many points you’d earn total by using Shop Through Chase and a Chase credit card, assuming you don’t use any coupons that reduce your order total:
- Using the Shop Through Chase link with a deal of 2 points per dollar spent: 3,600 Ultimate Rewards points
- Using your Chase Freedom Unlimited® card to pay, which earns 1.5X points on miscellaneous purchases: 2,700 Ultimate Rewards points
- Total using both Shop Through Chase and your Chase credit card: 6,300 Ultimate Rewards points
You could think about those earnings as $63 in cash back. Plus, those points are worth even more if you redeem them for travel or pool them under one of Chase’s premium cards, like Chase Sapphire Reserve®.
Who is eligible to use Shop Through Chase?
You must be an active Chase credit cardholder with a Freedom, Ink or Sapphire card to use the Chase shopping portal. Chase co-branded cards, such as those with airline and hotel brands, are not eligible for the Shop Through Chase program. To access the site, log into the Ultimate Rewards website and visit the Shop Through Chase section to see available offers.
How to use Shop Through Chase
Using Shop Through Chase is a breeze since it essentially works like a promo referral link. All you have to do is follow these steps:
- Log in to your Chase Ultimate Rewards account online or via the Chase mobile app. Once logged in to your account, you’ll be asked to select the card you want to use to access the program. If you only have one card, then it’ll default to that card.
- Navigate to the “Shopping & Experiences” tab at the top of the screen. From there, you’ll click on the “Shop & earn bonus points” option.
- Browse for a retailer. You can use a search box in the upper right corner to find specific retailers, browse the featured offers under “Top stores” or click “View all stores” for a list of all the current merchants. You can also take a look at trending offers and offers from stores you’ve favorited.
- Click on the “Shop Now” button on the offer you want. Once you find the special offer you’re looking for and click on its “Shop Now” button, you’ll be redirected to the retailer’s site to complete your purchase.
- Complete your transaction and wait for your points. After you’ve wrapped up your shopping, your bonus Shop Through Chase points will appear in your account by your next statement.
Which stores are on Shop Through Chase?
Shop Through Chase merchants and offers change frequently, but the store list contains hundreds of top retailers. Some examples of the types of retailers in the program include:
- Department stores, such as Macy’s, Kohl’s and Sears
- Clothing and apparel, such as Nike, Adidas, L.L. Bean and Lululemon
- Beauty and accessories, such as Ulta Beauty, Ray-Ban and Sephora
- Electronics, such as Dell Technologies, Apple and Lenovo
- Home improvement, such as Ace Hardware, Home Depot and Lowe’s
- Services and subscriptions, such as Verizon and ESPN+
- Business expenses, such as FedEx Office, VistaPrint and Staples
Note that some participating retailers exclude certain categories of products from earning rewards. For example, Walmart offers up to 3X points on select purchases but has a long list of exclusions, including electronics and cameras, food and beverage, pharmacy and personal care. Always check the find print before shopping.
Keep in mind:
Deals and retailers in the program can change at any time. If you see a deal you like, it’s wise to use it sooner rather than later, especially in the case of discounts.
Shop Through Chase vs. Chase Offers
In addition to the Shop Through Chase program, Chase also runs a program called Chase Offers. Instead of getting bonus points on online purchases like you do with Shop Through Chase, you’ll get a limited-time cash back rate — in the form of a statement credit — on each offer from Chase Offers you activate for select physical and online merchants. Unlike Shop Through Chase, each offer is tied to a specific Chase card, and different people (or even different cards in the same account) may be eligible for different offers.
Here’s a more detailed breakdown between the two:
|
Shop Through Chase |
Chase Offers |
|
|
Who’s eligible? |
Those who own a Chase Freedom, Sapphire or Ink credit card |
All Chase credit cardholders, including those that don’t have access to Chase Ultimate Rewards |
|
What kinds of offers are in the program? |
Offers that reward shoppers in Chase Ultimate Rewards points |
Offers that reward shoppers with cash back in the form of a statement credit |
|
How can you take advantage of the deal? |
Use the redirect link provided in the offer tile to complete your purchase |
Activate the deal, which will allow you to get your cash back automatically once you complete your purchase with the card and meet the terms of the offer |
|
Available for in-store or online purchases? |
Online purchases only |
Both in-store and online offers available |
Chase Offers can vary from person to person, but recent deals our writers have seen include cash back from Sony Electronics, Dropbox and Home Chef.
You can use both Shop Through Chase and Chase Offers to maximize your shopping rewards across a wider range of spending categories.
Tips for earning the most from Shop Through Chase
When used effectively, Shop Through Chase can be a helpful tool for accumulating points more quickly. Here are a few tips to get you started:
- Check regularly. Shop Through Chase promotions are always changing, so keep your eyes peeled for an opportunity worth pairing with a planned purchase.
- Read the offer terms carefully. Although the bonus points earned from Shop Through Chase are unlimited, each merchant may apply restrictions to their bonus offers, such as how many points you can earn or what you can purchase.
- Look for an offer before a large purchase. If you have sizable purchases coming up that can be made online — like your holiday shopping — check Shop Through Chase first to rack up easy points.
- Stack other rewards opportunities. When using Shop Through Chase, check if you can maximize your reward by pairing it with a Chase Offers deal, if available.
- Use your rewards for travel. If you hold one of the Chase Sapphire credit cards or the Ink Business Preferred® Credit Card, you can potentially bump up the value of your points when you redeem them through Chase Travel or transfer them to a hotel or airline partner.
Best credit cards to use with Shop Through Chase
Determining the best Chase credit cards for your Shop Through Chase rewards boils down to which cards fit your spending habits and preferred redemption options. After all, a shopping portal is useless if there’s nothing you want to buy.
Here are some example Chase cards that you can use to earn and maximize rewards points on your Chase shopping portal purchases:
-
- 5 percent cash back on travel purchased through Chase Travel℠
- 3 percent cash back on dining at restaurants, including takeout and eligible delivery services
- 3 percent cash back on drugstore purchases
- 2 percent cash back on Lyft purchases (through Sep. 30, 2027)
- 1.5 percent cash back on other purchases
-
If you’re looking for the most consistent rewards, the Chase Freedom Unlimited® is a strong choice. This no-annual-fee card guarantees at least 1.5 percent cash back on all Shop Through Chase purchases and earns Ultimate Rewards points that can later be pooled with a Chase travel card.
-
- 5 percent cash back on activated bonus category purchases each quarter (on up to $1,500 in total combined purchases, then 1 percent)
- 5 percent cash back on travel purchases through Chase Travel℠
- 2 percent cash back on Lyft purchases (through Sep. 30, 2027)
- 3 percent cash back on dining at restaurants, including takeout and eligible delivery services
- 3 percent cash back on drugstore purchases
- 1 percent cash back on all other purchases
-
A no-annual-fee rotating bonus category card like the Chase Freedom Flex®* could earn you up to 5 percent cash back (up to $1,500 each quarter in an activated category, then 1 percent). However, you’ll have to make sure that there is a Shop Through Chase offer that aligns with your bonus categories each time you use it. Like the Freedom Unlimited, you can also use the Freedom Flex to pool rewards with a Chase travel card for added value.
-
- 8X points on Chase Travel purchases, including The Edit℠
- 4X points on flights booked direct
- 4X points on hotels booked direct
- 3X points on dining at restaurants, including takeout and eligible delivery services
- 10X points on up to $5,000 of eligible Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027)
- 5X points on Lyft purchases (through Sep. 30, 2027)
- 1X points on all other purchases
-
The Chase Sapphire Reserve® has a $795 annual fee, making it the most expensive card on this list. It doesn’t have a high rewards rate for shopping-related purchases, but it does boost the value of your points by up to 100 percent when you redeem them for select travel bookings through Chase Travel℠. You can also transfer your points to Chase’s hotel and airline partners for potentially more value. If you’re trying to rack up points for an upcoming trip, you can use this card to make your points stretch even further.
The bottom line
Shop Through Chase can be a valuable program to gain additional Ultimate Rewards points for your planned purchases. While it does require purchasing via specific links, it can be well worth the time to search the portal before making a purchase. The bonus points stack with your credit card’s existing rewards, and an additional 1X to 15X points back on a large purchase can help you rack up cash back or points towards a free trip that much quicker.
*The information about the Chase Freedom Flex® has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.
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