The beginner's guide to the Chase online shopping portal
Key insights
- The Chase online shopping portal, also known as the Chase Ultimate Rewards® portal, is a site where Chase cardmembers can make purchases and earn additional credit card rewards.
- Making purchases through the Chase shopping portal will help you earn rewards on top of the points you already get when using your credit card.
- There are more than 1,000 retailers in the Chase shopping portal.
Many consumers will put purchases on a credit card to earn points and rewards that can be redeemed for everything from cash back to hotel stays. If you’re a Chase cardmember on the hunt for maximum rewards points, you may have an added reason to swipe your card thanks to the Chase shopping portal. In this article, we’ll explain what the Chase shopping portal is, what you can buy on the portal and how it can help maximize your rewards points through Chase.
Introduction to the Chase online shopping portal
The Chase shopping portal is called Shop Through Chase®. It’s an online site through Chase Ultimate Rewards® with more than a thousand retailers selling a variety of things.
When you shop in the Ultimate Rewards portal, you can earn more points than if you purchased items directly from the store. Purchases made through Shop Through Chase can earn up to 15x Ultimate Rewards points, but most retailers offer between 1x – 4x points on purchases.
What you can buy through the Chase online shopping portal
There are more than 1,000 participating retailers, including major retailers that sell:
- Clothing
- Electronics
- Pet supplies
- Home and garden supplies
- Beauty and accessories
- Business supplies and services
- Subscriptions
The merchants within the portal can change at any time, so if you don’t see a retailer when you log in, it could show up in the future. Similarly, if you see a retailer you want to shop at, it may not be there the next time you visit the site.
Benefits of using the Chase online shopping portal
If you’re a Chase cardmember who prioritizes earning points, you’ll likely find benefits to shopping and earning with Chase.
Earn more points
When you shop through the Chase portal with a credit card that earns Chase Ultimate Rewards, you’ll earn two kinds of points on your purchase:
- Points earned at the rate associated with purchases on your card
- Additional points associated with the retailer on Shop Through Chase
For example, if you purchase a faucet from a home improvement store, you might earn 1x points with your card. If this same home improvement store is a retailer on Shop Through Chase, they might offer 4x points per purchase. In this case, you’ll earn 5x points total on the faucet. If you had purchased directly through the retailer, you’d lose out on the 4x points.
You may want to consider reviewing the terms and conditions before making a purchase to ensure you understand the criteria to receive bonus points with the specific retailer where you are shopping.
Find deals and additional savings
You may also be able to find and score deals across retailers. Shop Through Chase may display sales and deals currently offered through participating retailers. For example, if a clothing retailer is having a 25% off sale, that information may be displayed within the Chase shopping portal. You can then view other clothing retailers in the portal to see if you can score a better deal somewhere else—all without having to leave the portal.
Accessing and navigating the Chase online shopping portal
Log in to your Chase account to view the retailers and deals offered through Chase:
- You can access Shop Through Chase from the Chase website by logging into your account at ultimaterewardspoints.chase.com.
- Select “Shopping & Experiences.”
- Then select “Shop & earn bonus points” from the Ultimate Rewards main menu.
From there you’ll see a host of retailers, deals and offers available through the Chase Ultimate Rewards site. When you find a retailer or an offer you want to shop, you’ll click on a Shop Now or Shop This Offer button. That will open a new window explaining that you’ll be navigating away from Chase.
If you complete your purchase at the merchant’s website under the same session, you’ll earn Chase Rewards. After your purchase, you'll receive a confirmation email that includes the points you’ve received.
Considerations when making purchases in the Chase Shopping Portal
There are a few important things to keep in mind when making a purchase through the portal:
- To earn points, you must use the specific Chase card you logged in with to make the purchase.
- If you navigate away from the browser before you make the purchase, it will not count.
- Different Chase credit cards can give different payout rates. You will need to select one during the login process.
- You may not be able to apply gift cards or discount codes on purchases made through the portal. You should only use discount codes that are provided on the portal because discount codes not available on the portal may disqualify the purchase from earning points.
- Rewards earned with co-branded cards cannot be used in the Shop Through Chase portal because co-branded cards do not earn Ultimate Rewards points.
Maximizing credit card rewards with the Chase online shopping portal
You can maximize your Chase rewards by shopping at retailers within the Chase Shopping portal. You'll earn the standard points whenever you use your credit card. On top of that, you can earn Chase Ultimate Rewards points associated with the shopping portal.
Rewards and offers are subject to change. Check the Chase Ultimate Rewards site to see if you’re getting your best offer. There may be bonus point offers so be sure to check the site for the best deals as they are subject to change.
Managing Chase points and rewards
When you log into your Chase credit card account, you should see your points total at the top of the page on the right side.
While there are many offers in the Chase shopping portal, cardmembers don’t necessarily have to use their points at Shop Through Chase. You can also transfer your rewards, convert them to cash back, redeem them for travel and more on the Chase Ultimate Rewards site.
Chase Ultimate Rewards points do not expire as long as your credit card account remains open and in good standing. If you choose to close your account, you may lose any unredeemed points. It’s always a good idea to read your credit card’s terms and conditions carefully.
In summary
Choosing to make purchases through the portal could help you quickly increase your points. When you make purchases through the Shop with Chase site, you'll earn points on top of those already earned by making everyday purchases with your card. Rates and points will vary based on the retailer and are subject to change. With more than 1,000 merchants on the site though, Shop Through Chase may offer opportunities for you to maximize your points.
