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Shop Through Chase guide

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If you’re a savvy rewards cardholder on the hunt for points, chances are you’ve learned how to maximize your rewards categories in order to wring every point you can from your purchases. However, one often overlooked (and underestimated) rewards opportunity is your card issuer’s online shopping portal. If you have an eligible Chase credit card, the Shop Through Chase program can help you to earn even more rewards on your normal 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. You’ll see special offers from each retailer, which include bonus points for each dollar you spend and other discounts. The traditional deals you might see are along the lines of “buy one get this” or a percentage off a certain product or all purchases made with a retailer.

How much can you earn with Shop Through Chase?

The virtual mall’s catalog of retailers and promotional offers change over time, so the exact reward rates could be different each time you visit. You’ll typically see offers to earn anywhere from 1X to 8X Ultimate Reward points per dollar spent, but offers mostly range from 1X to 4X points per dollar. This is a solid deal since Ultimate Rewards points are among the most valuable rewards. According to The Points Guy, they’re worth 2 cents apiece.

The best part is that points earned with Shop Through Chase are unlimited. If you choose to use your Ultimate Rewards card at checkout, you can also earn your standard rewards rate 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.

For example, let’s say that you’ve been in the market for a new mattress, and a $1,295 queen-sized Casper memory foam mattress at Macy’s catches your eye. You could use the Chase Freedom Unlimited® alone to earn about $19.43 cash back, or 1,943 points. If Macy’s were running a 3X points Shop Through Chase deal, your new mattress would earn a total of 5,828 points — or $87.42 toward travel if you redeem them with the Chase Sapphire Reserve® card since rewards are worth 50 percent more when redeemed for travel.

Who is eligible to use Shop Through Chase?

Since Shop Through Chase is only accessible after logging in to the Ultimate Rewards website, your Chase credit card must earn Ultimate Rewards points for you to be eligible. At the time of writing, seven Chase cards meet these requirements (four personal cards and three business cards). This includes Chase’s cash back cards, because they actually earn Ultimate Rewards points that can be redeemed for cash back (1 point = 1 cent). Unfortunately, that means Chase’s co-branded cards — like airline and hotel cards — don’t qualify for Shop Through Chase.

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 four cards that you can use to earn and maximize rewards points on Shop Through Chase purchases:

Card Rewards rate Annual fee
Chase Freedom Unlimited®
  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on dining and drugstore purchases
  • 1.5% cash back on all other purchases
$0
Chase Freedom Flex℠
  • 5% cash back on activated bonus category purchases each quarter (on up to $1,500, then 1%)
  • 5% cash back on travel purchases through Chase Ultimate Rewards
  • 5% cash back on Lyft rides (through March 2025)
  • 3% cash back on dining and drugstore purchases
  • 1% cash back on all other purchases
$0
Chase Sapphire Preferred® Card
  • 5X points on travel purchased through Chase Ultimate Rewards
  • 5X points on Lyft rides (through March 2025)
  • 3X points on dining, select streaming services and online grocery purchases
  • 2X points on other travel
  • 1X points on all other purchases
$95
Chase Sapphire Reserve®
  • 10X points on Chase Dining purchases
  • 10X points on hotel stays and car rentals purchased through Chase Ultimate Rewards
  • 10X points on Lyft rides (through March 2025)
  • 5X points on air travel purchased through Chase Ultimate Rewards
  • 3X points on general travel and dining
  • 1X points on all other purchases
$550

If you’re looking for the most consistent rewards, the Chase Freedom Unlimited guarantees at least 1.5 percent cash back on all Shop Through Chase purchases. However, a rotating bonus category card like the Chase Freedom Flex℠ could earn you up to 5 percent cash back (up to $1,500 each quarter on an activated category, then 1 percent). The trade-off is that you’ll have to hope that a Shop Through Chase offer aligns with your bonus categories.

Although Chase’s travel cards aren’t as effective for Shop Through Chase retailers’ bonus categories, the Chase credit card trifecta can maximize your bonus shopping points if you’re saving up rewards for a future getaway. Remember, the Chase Sapphire Reserve boosts the value of your points by 50 percent when you redeem them for travel through Ultimate Rewards.

How Shop Through Chase works

Using Shop Through Chase is a breeze since it essentially works like a promo referral link. All you have to do is:

  1. Log in to your Chase Ultimate Rewards account online or via the Chase Mobile app.
  2. Then, choose which card account you’re using.
  3. Click “Earn Bonus Points” and then browse for a retailer. There’s a full list of retailers and their current deals under “Browse by Merchant.”
  4. Once you find the special offer you’re looking for, click “Shop This Offer.” This will redirect you to the retailer’s site to complete your purchase.
  5. 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 over 200 retailers, mainly in these categories:

  • Department stores (like Macy’s, Kohl’s and Sears)
  • Apparel (like Nike, L.L. Bean and Banana Republic)
  • Beauty and accessories (like Ulta, Ray-Ban and Sephora)
  • Electronics (like Microsoft, Apple and Lenovo)
  • Home improvement (like Home Depot and Lowe’s)
  • Services and subscriptions (like Verizon and BlueApron)
  • Business expenses (like FedEx and Staples)

Practical-minded shoppers trying to earn bonus rewards on everyday essentials might have a harder time. Apparel and similar online shopping deals generally outnumber these types of offers, but every now and then you’ll see bonus points offers from retailers like Walmart or CVS.

Shop Through Chase vs. Chase Offers

If you’re looking to take advantage of special offers that match your card’s bonus categories, you might have better luck with Chase Offers. This program works a bit like Shop Through Chase, but it’s available with all Chase credit cards.

Both programs’ offers regularly rotate, but Chase Offers focuses on merchants in common bonus categories so you can “stack” your rewards. Instead of bonus points rates on virtual mall purchases, Chase offers a limited-time cash back rate on each offer you activate for select physical and online merchants. For example, you could activate several 10-day offers at once to earn a 10 percent cash back statement credit on purchases at Starbucks, Airbnb and more.

Additionally, Chase Offers doesn’t usually require you to shop through a specific link to earn the bonus. Once you activate the offer on your qualifying card, you just have to make the purchase as usual. That means you can use a combination of 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 helping hand when building your points stockpile. Here are a few tips to get you started:

  • Check back regularly. Shop Through Chase promotions are always changing, so keep your eyes peeled for an opportunity worth pouncing on.
  • 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. It might take a bit more elbow grease, but lining up your bonus categories with Shop Through Chase (and maybe Chase Offers, if you’re lucky) can be a fruitful engine for extra rewards.
  • Boost your rewards for travel. If you hold one of the Chase Sapphire credit cards or the Ink Business Preferred® Credit Card, you can bump up the value of your points by 25 percent to 50 percent.

The bottom line

Because the only requirement to use Shop Through Chase is to own a card in the Ultimate Rewards program, Shop Through Chase is a worthwhile opportunity to earn extra points on top of retail purchases you already planned to make. The rewards aren’t always on par with your credit card’s rewards rates, but unlimited 1X to 10X points back on a large purchase can make a difference when redeemed for cash back or travel.

Written by
Garrett Yarbrough
Credit Card Reviews Writer
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by
Associate Editor