Chase Shop and Earn: how up to 15x bonus points work and who can use them

Up to 15 bonus points per dollar

Chase's Shop and Earn portal can qualify a purchase with an eligible retailer for up to 15x bonus points, and it covers over 1,000 online retailers ^[1][2]. It is open to eligible cardholders who collect bonus Ultimate Rewards points when they shop there ^[2].

This piece covers how the bonus is calculated, who can use it and which rules can cost you the points.

How the bonus is calculated

Shop and Earn bonus points are added on top of the standard points or rewards a Chase card earns on the same purchase ^[2]. Advertised rates range from 1 to 15 bonus points per dollar spent, and these rates change regularly ^[2].

Here is an example. A retailer offering 5 bonus points per dollar would award 500 bonus Ultimate Rewards points on a qualifying $100 purchase, in addition to card rewards ^[2].

Who can use it

Shop and Earn is available only to cardholders who hold at least one Chase credit card in the Ultimate Rewards family ^[2]. Cobranded Chase airline and hotel cards are not eligible ^[2].

How to start a purchase

You sign into your Ultimate Rewards account, find a merchant in the portal, and click through to the merchant's website before shopping ^[2].

Shop and Earn typically requires you to complete the purchase in the same browser session you started on the portal, because tracking relies on internet cookies ^[2]. If you close the browser window after clicking through, your visit may not be tracked correctly for rewards ^[2].

Timing and exclusions

Bonus rewards from the portal may take up to 60 days to post ^[2]. Exclusions apply to gift cards, some coupon codes, and refunded or canceled orders ^[2].

Where the points go

Ultimate Rewards points can be redeemed for flights, hotels, vacation homes, and more ^[1]. They can also be pooled with members of your household, or with the company owner for business cards ^[1].

To transfer Chase points to airline and hotel partners, you must hold at least one premium Ultimate Rewards card ^[3].

Other ways Chase cards earn

Each Ultimate Rewards card has bonus categories that allow earning between 2x and 10x points per dollar spent on the card ^[3]. The Chase Sapphire Reserve earns up to 8x points on Chase Travel purchases and 3x points on dining at restaurants worldwide ^[1].

The Chase Freedom Unlimited offers a flat 1.5% back on every purchase, plus boosted rewards in categories like dining and drugstores ^[1]. The Chase Freedom Flex earns up to 5% back in select rotating categories each quarter, on up to $1,500 in spending after activation ^[1].

The Shops at Chase is a separate marketplace where cardholders can buy curated products with their Chase credit card and/or Ultimate Rewards points ^[2].