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How to Use the Chase Shopping Portal to Earn More Points

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Caroline Lupini

Caroline Lupini

Former Content Contributor

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As a nearly full-time traveler, Caroline has mastered the ins and outs of maximizing airline miles, hotel points, and transferrable point currencies. Her work has appeared in Business Insider, Forbes,...
Edited by: Keri Stooksbury

Keri Stooksbury


Countries Visited: 39U.S. States Visited: 28

With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
& Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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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

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. 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

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

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.

Business Owner? See our article on Chase business credit cards that earn Ultimate Rewards.

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.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

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.


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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.



April 20, 2019

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.


May 21, 2019

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?

Hi Brittany. Yes, you are correct. It is 1 additional point per dollar spent. Thanks for the question.

Armesta Lynn

September 06, 2019

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

Jarrod West

September 06, 2019

Hi Armesta,

You can use your Amazon card at any retailer that accepts Visa credit cards.

Thanks for reading!


January 27, 2020

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

Jarrod West

January 29, 2020

Hi Marianne,

Yes, that is correct. Chase does not allow you to insert any additional discount codes.

Ernest Merrill

February 25, 2020

What can I use points on?

Jarrod West

February 25, 2020

Hi Ernest,

There are dozens of great ways to redeem your Chase Ultimate Reward points. Check out our post on our top 47 ways to redeem Chase Ultimate Reward points.


February 16, 2021

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?

Jarrod West

February 17, 2021

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.


April 19, 2021

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?


Jarrod West

April 19, 2021

Hi FP,

Yes, that is correct that you can use whatever credit card you’d like with Shop Through Chase and still receive points.


April 20, 2021

Thanks so much!


September 17, 2021

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%?

Jarrod West

September 18, 2021

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!


November 11, 2021

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

Jarrod West

November 12, 2021

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!

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