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Eva-Katalin/Getty Images June 03, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. 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. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 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 . 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 , they can be worth up to 2 cents apiece, depending on the card. 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 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 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 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 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 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 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: Log in to your account online or via the Chase Mobile app. Then, choose which card account you’re using. 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.” 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. 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 . 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 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 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. SHARE: 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. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer. Related Articles