Chase just launched a secret shopping platform where you can buy luxury goods with credit card points at guaranteed rates—but it comes with some major restrictions; here's everything you need to know.
Master Chase's revolutionary shopping marketplace: earn rewards, redeem points, access exclusive brands, and maximize your Ultimate Rewards value
Shops by Chase, officially branded as "The Shops at Chase," represents the most significant evolution in credit card rewards shopping since the inception of online portals. Launched in June 2025 by JPMorgan Chase, this premium e-commerce marketplace fundamentally transforms how Chase cardholders shop, redeem Ultimate Rewards points, and access luxury brands.
Unlike traditional shopping portals, cashback websites, or card-linked offer programs, Shops by Chase operates as a direct retail marketplace where Chase functions as the merchant of record. This means Chase cardholders shop directly within the Chase ecosystem—no redirects, no third-party checkout processes, and no separate account creation required.
Chase acts as the reseller for premium brands, processing transactions directly through their secure banking infrastructure. This creates a seamless shopping experience that rivals major e-commerce platforms while maintaining the security and convenience of your trusted banking relationship.
The platform's signature feature allows payment flexibility unprecedented in credit card rewards programs. You can pay with 100% Ultimate Rewards points at a fixed 1¢ per point redemption rate, 100% Chase credit card payment with standard rewards earning, or any hybrid combination of points and card charges. Tax and shipping costs are included in point redemption calculations, meaning you can cover the entire purchase with points if desired.
Rather than offering thousands of retailers like traditional shopping portals, Shops by Chase focuses on a carefully selected roster of high-end, aspirational brands across luxury goods, premium electronics, designer fashion, and lifestyle categories. Chase cardholders gain access to member-only pricing, limited-time promotions, early product launches, and exclusive bundles not available through traditional retail channels.
The platform seamlessly connects with Chase's broader Ultimate Rewards program, card-linked offers, and premium cardholder benefits, creating a cohesive rewards experience. This integration represents Chase's strategic move to keep high-value customers within their ecosystem while providing genuine added value through exclusive shopping opportunities.
Shops by Chase access requires an active Chase credit card that participates in the Ultimate Rewards program. This includes all Chase Freedom family cards such as the Freedom Flex, Freedom Unlimited, and Freedom Student, which earn varying rates from 1% to 5% on purchases depending on categories and promotions.
Chase Sapphire cardholders with either the Preferred or Reserve cards can access the platform and benefit from their enhanced point earning rates on travel and dining purchases. Business customers using Chase Ink cards including the Business Preferred, Business Cash, and Business Unlimited also qualify for platform access.
Importantly, Chase co-branded cards like Marriott, United, Southwest, and other airline or hotel cards do not qualify for Shops by Chase access since they don't participate in the Ultimate Rewards program. Chase debit cards and checking accounts alone also don't provide access to the shopping platform.
You must have an active Chase.com online banking account with your eligible credit card linked and accessible through the web portal. Your eligible card must be enrolled in the Ultimate Rewards program, which happens automatically for most cards, and your account must be in good standing with no recent delinquencies or restrictions.
The platform is currently available only to U.S.-based Chase customers with U.S. shipping addresses. Geographic restrictions prevent international access, though this may expand in future iterations of the program.
Accessing Shops by Chase through the desktop website requires logging into Chase.com with your standard online banking credentials. Navigate to the Ultimate Rewards tab in your main account dashboard, then select an eligible Ultimate Rewards card if you have multiple Chase cards. Look for the "Shop & Earn" or "Rewards" section in the Ultimate Rewards menu, where you'll find the "Enter The Shops at Chase" banner or link.
Alternative access methods include navigating directly to ultimaterewards.chase.com after logging in, using the "Rewards" dropdown menu from any Chase account page, or accessing through the "Benefits & Services" section of your card account. If you experience loading issues, try clearing your browser cookies and cache, ensuring JavaScript is enabled, or using an incognito browsing window.
Mobile app access follows a similar pattern through the Chase mobile app, which should be updated to the latest version for optimal performance. Open the app and navigate to your eligible Ultimate Rewards credit card, then find the "Benefits & Travel" or "Rewards" option. Select "Shopping" or "Earn & Redeem Rewards," then tap "The Shops at Chase" to enter the mobile marketplace.
The mobile experience includes touch-optimized product browsing and filtering, mobile-specific promotions and flash sales, push notifications for new brands and exclusive offers, and streamlined mobile checkout processes. Mobile payment methods integrate seamlessly with the platform for enhanced convenience.
Initial platform setup involves verifying and updating your primary shipping address, adding alternate shipping addresses for gifts or business deliveries, and setting shipping preferences for expedited versus standard delivery. Configure your payment method organization by confirming which Chase cards are visible in the platform, setting default payment preferences between points and card payments, and reviewing point balances across all eligible cards.
Communication preferences should be optimized by opting into exclusive Shops by Chase email promotions, configuring mobile push notifications for deals and new arrivals, setting up order tracking and delivery notifications, and subscribing to brand-specific newsletters and announcements.
Apple maintains a special integration through the dedicated Apple Ultimate Rewards Store, offering the complete range of iPhones, iPads, MacBooks, Apple Watch, AirPods, and accessories. This integration includes exclusive financing options, standard 1¢ per point redemption rates with occasional promotional bonuses, AppleCare+ integration, and trade-in program compatibility.
Sony Corporation provides an extensive selection of televisions including OLED, LED, 4K, and 8K models, PlayStation consoles, Alpha and FX series cameras, headphones, soundbars, and complete home theater systems. Products range from $50 accessories to $5,000+ premium television and camera equipment, with extended warranty options available through Chase card benefits.
Bang & Olufsen represents the luxury audio segment with premium speakers, headphones, home audio systems, and high-end Danish design sound equipment. Popular products include Beoplay speakers, Beolab home systems, and portable Bluetooth speakers, with pricing ranging from $200 to $20,000+ for complete home audio installations.
Tumi offers premium luggage, briefcases, backpacks, travel accessories, and business bags across their popular Alpha, Latitude, Merge, and Voyageur collections. The brand provides lifetime repair services and TUMI Tracer lost luggage recovery, with products specifically designed for business travel and luxury leisure travel ranging from $150 to $1,500+ for complete luggage sets.
Samsonite features suitcases, carry-on luggage, business cases, and travel organizers with technology features like built-in TSA locks, lightweight materials, and spinner wheels. Popular lines include Winfield, Omni, and Silhouette collections designed for business travel, family vacations, and international travel, with pricing from $100 to $800 for premium luggage pieces.
CALPAK focuses on stylish luggage, weekender bags, travel organizers, and packing cubes with Instagram-worthy travel gear aesthetics appealing to millennial and Gen-Z travelers. The brand offers popular colors including blush pink, sage green, classic black, and seasonal limited editions, featuring lightweight construction and interior organization systems priced from $75 to $400 for complete travel sets.
Tory Burch provides women's apparel, handbags, shoes, jewelry, accessories, and perfume including signature items like Miller sandals, Fleming bags, and Double T logo pieces. The brand offers seasonal Spring/Summer and Fall/Winter fashion collections with a focus on designer handbags, statement jewelry, and luxury footwear ranging from $100 to $1,500+ for signature handbags and apparel.
Ray-Ban offers sunglasses, prescription eyewear, blue light glasses, and accessories featuring iconic models like Aviator, Wayfarer, Clubmaster, and Round collections. Technology features include polarized lenses, UV protection, and prescription compatibility, along with limited edition collections and celebrity partnerships priced from $150 to $500+ for premium and limited edition frames.
Breitling represents luxury Swiss watches including chronographs, aviation watches, and diving watches across signature collections like Navitimer, Superocean, Premier, and Chronomat series. Features include Swiss automatic movements, precious metal cases, and leather straps designed for aviation-inspired, diving, and racing applications, with prices ranging from $2,000 to $15,000+ for precious metal and limited editions.
Dyson provides vacuum cleaners, air purifiers, hair care tools, fans, and lighting featuring innovative cyclone technology, cordless convenience, and HEPA filtration. Popular products include the V15 Detect vacuum, Airwrap hair styler, and Pure Cool air purifiers designed for cleaning, air quality, personal care, and lighting solutions priced from $200 to $800+ for complete home cleaning systems.
Cuisinart offers kitchen appliances, cookware, cutlery, and outdoor grilling equipment including food processors, coffee makers, blenders, and toaster ovens. Products feature commercial-grade construction and warranty programs designed for amateur cooking with professional-style results, ranging from $50 to $500+ for complete kitchen appliance sets.
SMEG specializes in retro-style refrigerators, small appliances, cookware, and home accessories featuring 1950s Italian design with vibrant colors and curved lines. Popular products include stand mixers, espresso machines, toasters, and kettles available in pastel blue, cream, red, black, pink, and seasonal colors, with pricing from $200 to $3,000+ for full-size retro refrigerators.
Solo Stove manufactures smokeless fire pits, portable camping stoves, and grilling accessories designed for backyard entertaining, camping, tailgating, and outdoor cooking. Technology features include double-wall design, smokeless combustion, and stainless steel construction across popular models like Ranger, Bonfire, and Yukon fire pit sizes priced from $150 to $600+ for complete outdoor fire pit systems.
Therabody produces Theragun percussive therapy devices, recovery tools, and wellness accessories focused on muscle recovery, pain relief, athletic performance, and stress relief. Popular products include Theragun Pro, Elite, and mini massage devices designed for physical therapy, athletic training, and personal wellness applications, with pricing from $150 to $600+ for professional-grade recovery equipment.
Callaway offers golf clubs, golf balls, golf bags, accessories, and apparel featuring AI-designed club faces, advanced materials, and performance optimization technology. Popular lines include Epic, Rogue, and Apex club collections designed for beginner, intermediate, advanced, and professional golfers, with pricing from $200 to $2,000+ for complete golf club sets.
Baccarat provides fine crystal glassware, decorative objects, lighting, and jewelry representing French crystal craftsmanship since 1764. Popular categories include wine glasses, decanters, vases, chandeliers, and gift sets designed for weddings, housewarming presents, and luxury home decoration, with pricing from $100 to $10,000+ for custom crystal installations.
Shops by Chase operates on a fixed 1¢ per Ultimate Rewards point redemption system across all brands and products. This standardization means 10,000 points equals exactly $100 in purchasing power, 50,000 points equals exactly $500 toward any item or combination of items, and 100,000 points equals exactly $1,000 in shopping credit.
Unlike some redemption methods, points can cover the complete purchase total including product price, sales tax, and shipping charges with no cash required for fees or taxes when using points exclusively. The platform allows precise point usage with any amount of points from 100 upward, no minimum point requirements for partial payments, real-time calculation of point value during checkout, and the ability to save specific point amounts for future travel or other redemptions.
When paying with your Chase card for either full payment or the cash portion of split payments, you earn Ultimate Rewards points at your card's standard rate. Chase Freedom family cards earn 5x points on rotating quarterly categories up to spending limits, 1.5x points on all purchases with Freedom Unlimited, or 1x points on purchases with basic Freedom cards.
Chase Sapphire family cards earn 2x points on travel and dining with Sapphire Preferred plus 1x on other purchases, or 3x points on travel and dining with Sapphire Reserve plus 1x on other purchases. Chase Ink business cards earn varying rates including 3x points on specific business categories up to annual limits or 1.5x points on all purchases with Ink Unlimited.
Ultimate Rewards points can be combined between your personal Chase cards for free, allowing you to transfer points from multiple cards to your primary account, combine business and personal card points, pool household member points with proper authorization, and optimize point balances before large redemptions.
Before redeeming points through Shops by Chase, consider alternative redemption values such as travel partner transfers that often yield 1.5¢ to 3¢+ per point value, Chase travel portal bookings that historically offered 1.25¢ to 1.5¢ per point depending on your card, or baseline cash redemption at 1¢ per point through statement credits or direct deposits.
Shops by Chase redemption makes most sense when you have excess points beyond travel needs, specific products are on sale or promotion creating effective value above 1¢, you prefer tangible goods over travel, you're using Sapphire Reserve shopping credits, or you want to clean up small point balances in your account.
The checkout process presents three distinct payment options with real-time calculations for optimal decision-making. All points payment shows the total point cost including taxes and shipping, confirms sufficient point balance across linked cards, allows selection of which card's points to use if multiple options are available, and reviews point balance remaining after purchase.
All cash payment lets you select which Chase card to charge, reviews the total dollar amount including all fees, confirms the card has sufficient available credit, and previews rewards points that will be earned on the purchase. Split payment configuration uses a slider tool or manual entry to specify point amounts, provides real-time calculation of the remaining cash portion, allows adjustment of point usage up to available balance, and offers optimization suggestions for point preservation.
Shipping and delivery options include confirming your primary shipping address or selecting alternates, choosing delivery speed including standard, expedited, or overnight where available, adding delivery instructions or special handling requests, and reviewing estimated delivery dates and tracking information.
The final order review confirms all items, quantities, and prices, shows the payment method breakdown, reviews shipping details and estimated delivery, requires terms and conditions acknowledgment, and generates order placement with confirmation numbers.
Choose your Chase card based on current promotions and benefits by using Sapphire Reserve for purchase protection on expensive items, maximizing quarterly 5x categories with Freedom Flex when applicable, leveraging business cards for business-related purchases, and considering card credit limits and payment due dates.
Point preservation techniques include using minimum points necessary to unlock promotional pricing, reserving high-value points for premium travel redemptions, applying points to taxes and shipping only while paying item costs in cash, and maintaining emergency point reserves for unexpected travel opportunities.
The launch promotion from June through July 2025 featured 15% discounts on select brands including CALPAK for all luggage and travel accessories, Dyson for vacuum cleaners, air purifiers, and hair care tools, Solo Stove for fire pits, camping stoves, and outdoor accessories, and Therabody for Theragun devices and recovery equipment.
Promotion mechanics include automatic discount application at checkout, stackability with point redemptions for maximum savings, no minimum purchase requirements, and validity through July 11, 2025. When using the 15% discount with point redemptions, the effective point value increases to 1.15¢ per point, making a $1,000 item with 15% off cost $850 or 85,000 points, creating savings equivalent compared to the 1¢ base redemption rate.
Expected seasonal promotions include back-to-school electronics and tech accessories in August, fall fashion apparel and accessories from luxury brands in September, Black Friday and Cyber Monday site-wide discounts and exclusive bundles, holiday shopping gift sets and premium packaging options in December, and New Year fitness and wellness equipment focus in January.
Brand-specific promotions feature product launch events with early access to new items from partner brands, inventory clearance with end-of-season sales on seasonal merchandise, anniversary sales celebrating brand partnerships with special pricing, and exclusive bundles offering Chase-only product combinations and gift sets.
Sapphire Reserve premium benefits include early access to sales and new product launches, exclusive customer service lines for shopping inquiries, enhanced return and exchange policies, and access to limited edition and exclusive colorways. Business card holder benefits feature volume pricing for bulk purchases, business-specific product categories and brands, enhanced warranty and return policies for business use, and dedicated business customer support.
Shops by Chase operates as a direct marketplace compared to American Express Offers' card-linked offer system. While Shops by Chase features 15+ curated premium brands that are always available without activation, Amex Offers provides 100+ rotating offers that must be individually activated. Shops by Chase offers point redemption plus occasional discounts exclusively on the Chase platform, while Amex Offers provides statement credits or bonus points that stack with merchant sales at any merchant location.
The strategic usage difference means Amex Offers work best for targeted savings on planned purchases while Shops by Chase excels for point redemption and exclusive access. These programs can be used complementarily for different shopping needs rather than as direct substitutes.
Capital One Shopping functions as a browser extension tool available to anyone, covering 30,000+ online retailers with price comparison and coupon finding as the primary benefit. In contrast, Shops by Chase operates as a bank-operated marketplace exclusively for Chase cardholders, featuring 15+ premium brands with point redemption convenience as the main advantage.
Capital One Shopping earns shopping credits (cashback) through a third-party browser tool providing multi-retailer price comparison, while Shops by Chase earns standard card rewards through native banking platform integration with single marketplace pricing. The optimal strategy involves using Capital One Shopping for price discovery and coupon finding across all online shopping, then evaluating Shops by Chase for point redemption value when prices are competitive.
Rakuten operates as a cashback earning portal covering 3,500+ retailers with 1% to 15% cashback rates, accepting any payment method through a free account available to anyone with quarterly payout methods. Shops by Chase functions as a point redemption system covering 15+ curated brands with 1¢ per point redeemed, requiring points or Chase card payment exclusively for Chase cardholders with instant value at checkout.
The strategic integration approach uses Rakuten for earning cashback at retailers not available in Shops by Chase while using Shops by Chase for redeeming accumulated Chase points. These programs cannot be combined for double-dipping on the same purchase.
Bank of America Deals operates on an activation model requiring individual offer activation for diverse local and national merchants, providing statement credit offers with rotating monthly availability, varied spending requirements, and capped cashback amounts. Shops by Chase provides continuous availability without activation for curated premium national brands, offering discounts plus point redemption with no spending minimums and no caps on point redemption.
Comprehensive price research requires checking Shops by Chase pricing for desired items, comparing with Amazon, manufacturer websites, and specialty retailers, factoring in any active Shops by Chase discounts, including shipping, taxes, and return policy values, and determining effective value when using points versus cash.
Price tracking tools integration includes Google Shopping for quick price comparison across retailers, Honey browser extension for automatic coupon discovery and price history, CamelCamelCamel for Amazon price tracking and competitive analysis, and shopping apps from Target, Best Buy, and manufacturers for real-time pricing updates.
The value decision framework evaluates whether Shops by Chase price plus convenience value is less than or equal to the lowest market price plus shopping effort cost, in which case you should use Shops by Chase, otherwise shop elsewhere and save points for higher-value redemptions.
Strategic point allocation involves reserving 70% of points for travel to maintain flexibility for high-value transfer partner redemptions, allocating 20% for shopping to use for Shops by Chase when compelling offers arise, and keeping 10% liquid as an emergency or opportunity fund for unexpected great deals.
Timing optimization includes monitoring Chase promotions by signing up for email alerts and checking monthly for new offers, seasonal shopping planning to align major purchases with promotional periods, point expiration awareness to use oldest points first when managing multiple card accounts, and credit utilization timing to plan large purchases around credit card statement cycles.
Sapphire Reserve shopping credit strategy involves annual planning to map out $250 credit usage across the year, high-value targeting to use credits for items with the best price parity, gift planning to allocate portions of credit for holiday and special occasion gifts, and luxury timing to combine credits with sales for maximum effective value.
Purchase protection optimization focuses on high-value items by always paying partially with your card for protection benefits, documentation strategy to maintain purchase records for warranty and insurance claims, claim preparation to understand coverage limits and procedures before purchase, and benefit stacking to layer manufacturer warranty plus extended warranty plus purchase protection.
Shops by Chase provides specialized customer service with trained representatives for shopping-specific inquiries, comprehensive order management including tracking, modifications, and delivery coordination, streamlined returns and exchanges processed through Chase customer service, and technical support for platform navigation and account access assistance.
Premium support tiers include Sapphire Reserve priority with expedited support for premium cardholders, business customer service with dedicated lines for Ink cardholders, 24/7 availability for round-the-clock support for urgent shopping needs, and multilingual support providing service in multiple languages for diverse customer bases.
Transaction security employs banking-grade encryption using the same security standards as Chase online banking, fraud monitoring with real-time transaction monitoring and alerts, account protection through multi-factor authentication and login security, and payment card protection with secure storage of payment methods and personal data.
Privacy controls feature data usage transparency with clear policies on information collection and use, marketing preferences offering granular control over promotional communications, purchase history privacy with secure storage and limited access to shopping history, and third-party sharing policies providing transparent policies on data sharing with brand partners.
The platform maintains the same security infrastructure as Chase's online banking system, ensuring that shopping transactions receive the same level of protection as financial transactions. Customer service integrates seamlessly with existing Chase support channels, allowing cardholders to use familiar contact methods for shopping-related inquiries.
Returns and exchanges are processed through Chase's customer service system in coordination with brand partners, typically allowing 7-10 business days for point and cash refunds. Purchase protection benefits from Chase credit cards apply to items bought through the platform when paid for partially or fully with a Chase card, providing additional security for high-value purchases.
Shops by Chase represents Chase's ambitious entry into direct e-commerce, offering cardholders a new way to engage with their rewards program that prioritizes convenience and exclusive access over maximum point value. While the platform may not always offer the best prices or highest point values compared to travel redemptions, it excels in integration, simplicity, and access to premium brands.
The platform works best for Chase cardholders with excess Ultimate Rewards points beyond their travel needs, customers who value convenience and integration over maximum optimization, Sapphire Reserve holders with available shopping credits to utilize, and shoppers who can take advantage of promotional periods with enhanced discounts.
Consider alternatives if you consistently achieve higher point values through travel partner transfers, price is your primary consideration regardless of convenience factors, you prefer broader merchant selection over curated premium brands, or you maximize value through shopping portals and card-linked offers that provide additional earning opportunities.
The 1¢ per point redemption rate positions Shops by Chase as a baseline value option that provides convenience and exclusive access rather than premium value. This makes it most valuable when combined with promotional discounts, Sapphire Reserve credits, or when purchasing items that maintain price parity with other retailers.
As Chase continues expanding the brand portfolio toward their stated goal of approximately 30 brands by the end of 2025, the platform's value proposition may improve through increased selection and more frequent promotional opportunities. The integration with premium card benefits suggests Chase views this as a long-term strategic investment rather than a temporary promotion.
For optimal results, treat Shops by Chase as one component of a comprehensive rewards strategy rather than a primary shopping destination. Use it strategically when promotions align with your needs, when you have excess points to utilize, or when the convenience and exclusive access justify the potentially lower point value compared to travel redemptions.
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Master Chase's revolutionary shopping marketplace: earn rewards, redeem points, access exclusive brands, and maximize your Ultimate Rewards value
Shops by Chase, officially branded as "The Shops at Chase," represents the most significant evolution in credit card rewards shopping since the inception of online portals. Launched in June 2025 by JPMorgan Chase, this premium e-commerce marketplace fundamentally transforms how Chase cardholders shop, redeem Ultimate Rewards points, and access luxury brands.
Unlike traditional shopping portals, cashback websites, or card-linked offer programs, Shops by Chase operates as a direct retail marketplace where Chase functions as the merchant of record. This means Chase cardholders shop directly within the Chase ecosystem—no redirects, no third-party checkout processes, and no separate account creation required.
Chase acts as the reseller for premium brands, processing transactions directly through their secure banking infrastructure. This creates a seamless shopping experience that rivals major e-commerce platforms while maintaining the security and convenience of your trusted banking relationship.
The platform's signature feature allows payment flexibility unprecedented in credit card rewards programs. You can pay with 100% Ultimate Rewards points at a fixed 1¢ per point redemption rate, 100% Chase credit card payment with standard rewards earning, or any hybrid combination of points and card charges. Tax and shipping costs are included in point redemption calculations, meaning you can cover the entire purchase with points if desired.
Rather than offering thousands of retailers like traditional shopping portals, Shops by Chase focuses on a carefully selected roster of high-end, aspirational brands across luxury goods, premium electronics, designer fashion, and lifestyle categories. Chase cardholders gain access to member-only pricing, limited-time promotions, early product launches, and exclusive bundles not available through traditional retail channels.
The platform seamlessly connects with Chase's broader Ultimate Rewards program, card-linked offers, and premium cardholder benefits, creating a cohesive rewards experience. This integration represents Chase's strategic move to keep high-value customers within their ecosystem while providing genuine added value through exclusive shopping opportunities.
Shops by Chase access requires an active Chase credit card that participates in the Ultimate Rewards program. This includes all Chase Freedom family cards such as the Freedom Flex, Freedom Unlimited, and Freedom Student, which earn varying rates from 1% to 5% on purchases depending on categories and promotions.
Chase Sapphire cardholders with either the Preferred or Reserve cards can access the platform and benefit from their enhanced point earning rates on travel and dining purchases. Business customers using Chase Ink cards including the Business Preferred, Business Cash, and Business Unlimited also qualify for platform access.
Importantly, Chase co-branded cards like Marriott, United, Southwest, and other airline or hotel cards do not qualify for Shops by Chase access since they don't participate in the Ultimate Rewards program. Chase debit cards and checking accounts alone also don't provide access to the shopping platform.
You must have an active Chase.com online banking account with your eligible credit card linked and accessible through the web portal. Your eligible card must be enrolled in the Ultimate Rewards program, which happens automatically for most cards, and your account must be in good standing with no recent delinquencies or restrictions.
The platform is currently available only to U.S.-based Chase customers with U.S. shipping addresses. Geographic restrictions prevent international access, though this may expand in future iterations of the program.
Accessing Shops by Chase through the desktop website requires logging into Chase.com with your standard online banking credentials. Navigate to the Ultimate Rewards tab in your main account dashboard, then select an eligible Ultimate Rewards card if you have multiple Chase cards. Look for the "Shop & Earn" or "Rewards" section in the Ultimate Rewards menu, where you'll find the "Enter The Shops at Chase" banner or link.
Alternative access methods include navigating directly to ultimaterewards.chase.com after logging in, using the "Rewards" dropdown menu from any Chase account page, or accessing through the "Benefits & Services" section of your card account. If you experience loading issues, try clearing your browser cookies and cache, ensuring JavaScript is enabled, or using an incognito browsing window.
Mobile app access follows a similar pattern through the Chase mobile app, which should be updated to the latest version for optimal performance. Open the app and navigate to your eligible Ultimate Rewards credit card, then find the "Benefits & Travel" or "Rewards" option. Select "Shopping" or "Earn & Redeem Rewards," then tap "The Shops at Chase" to enter the mobile marketplace.
The mobile experience includes touch-optimized product browsing and filtering, mobile-specific promotions and flash sales, push notifications for new brands and exclusive offers, and streamlined mobile checkout processes. Mobile payment methods integrate seamlessly with the platform for enhanced convenience.
Initial platform setup involves verifying and updating your primary shipping address, adding alternate shipping addresses for gifts or business deliveries, and setting shipping preferences for expedited versus standard delivery. Configure your payment method organization by confirming which Chase cards are visible in the platform, setting default payment preferences between points and card payments, and reviewing point balances across all eligible cards.
Communication preferences should be optimized by opting into exclusive Shops by Chase email promotions, configuring mobile push notifications for deals and new arrivals, setting up order tracking and delivery notifications, and subscribing to brand-specific newsletters and announcements.
Apple maintains a special integration through the dedicated Apple Ultimate Rewards Store, offering the complete range of iPhones, iPads, MacBooks, Apple Watch, AirPods, and accessories. This integration includes exclusive financing options, standard 1¢ per point redemption rates with occasional promotional bonuses, AppleCare+ integration, and trade-in program compatibility.
Sony Corporation provides an extensive selection of televisions including OLED, LED, 4K, and 8K models, PlayStation consoles, Alpha and FX series cameras, headphones, soundbars, and complete home theater systems. Products range from $50 accessories to $5,000+ premium television and camera equipment, with extended warranty options available through Chase card benefits.
Bang & Olufsen represents the luxury audio segment with premium speakers, headphones, home audio systems, and high-end Danish design sound equipment. Popular products include Beoplay speakers, Beolab home systems, and portable Bluetooth speakers, with pricing ranging from $200 to $20,000+ for complete home audio installations.
Tumi offers premium luggage, briefcases, backpacks, travel accessories, and business bags across their popular Alpha, Latitude, Merge, and Voyageur collections. The brand provides lifetime repair services and TUMI Tracer lost luggage recovery, with products specifically designed for business travel and luxury leisure travel ranging from $150 to $1,500+ for complete luggage sets.
Samsonite features suitcases, carry-on luggage, business cases, and travel organizers with technology features like built-in TSA locks, lightweight materials, and spinner wheels. Popular lines include Winfield, Omni, and Silhouette collections designed for business travel, family vacations, and international travel, with pricing from $100 to $800 for premium luggage pieces.
CALPAK focuses on stylish luggage, weekender bags, travel organizers, and packing cubes with Instagram-worthy travel gear aesthetics appealing to millennial and Gen-Z travelers. The brand offers popular colors including blush pink, sage green, classic black, and seasonal limited editions, featuring lightweight construction and interior organization systems priced from $75 to $400 for complete travel sets.
Tory Burch provides women's apparel, handbags, shoes, jewelry, accessories, and perfume including signature items like Miller sandals, Fleming bags, and Double T logo pieces. The brand offers seasonal Spring/Summer and Fall/Winter fashion collections with a focus on designer handbags, statement jewelry, and luxury footwear ranging from $100 to $1,500+ for signature handbags and apparel.
Ray-Ban offers sunglasses, prescription eyewear, blue light glasses, and accessories featuring iconic models like Aviator, Wayfarer, Clubmaster, and Round collections. Technology features include polarized lenses, UV protection, and prescription compatibility, along with limited edition collections and celebrity partnerships priced from $150 to $500+ for premium and limited edition frames.
Breitling represents luxury Swiss watches including chronographs, aviation watches, and diving watches across signature collections like Navitimer, Superocean, Premier, and Chronomat series. Features include Swiss automatic movements, precious metal cases, and leather straps designed for aviation-inspired, diving, and racing applications, with prices ranging from $2,000 to $15,000+ for precious metal and limited editions.
Dyson provides vacuum cleaners, air purifiers, hair care tools, fans, and lighting featuring innovative cyclone technology, cordless convenience, and HEPA filtration. Popular products include the V15 Detect vacuum, Airwrap hair styler, and Pure Cool air purifiers designed for cleaning, air quality, personal care, and lighting solutions priced from $200 to $800+ for complete home cleaning systems.
Cuisinart offers kitchen appliances, cookware, cutlery, and outdoor grilling equipment including food processors, coffee makers, blenders, and toaster ovens. Products feature commercial-grade construction and warranty programs designed for amateur cooking with professional-style results, ranging from $50 to $500+ for complete kitchen appliance sets.
SMEG specializes in retro-style refrigerators, small appliances, cookware, and home accessories featuring 1950s Italian design with vibrant colors and curved lines. Popular products include stand mixers, espresso machines, toasters, and kettles available in pastel blue, cream, red, black, pink, and seasonal colors, with pricing from $200 to $3,000+ for full-size retro refrigerators.
Solo Stove manufactures smokeless fire pits, portable camping stoves, and grilling accessories designed for backyard entertaining, camping, tailgating, and outdoor cooking. Technology features include double-wall design, smokeless combustion, and stainless steel construction across popular models like Ranger, Bonfire, and Yukon fire pit sizes priced from $150 to $600+ for complete outdoor fire pit systems.
Therabody produces Theragun percussive therapy devices, recovery tools, and wellness accessories focused on muscle recovery, pain relief, athletic performance, and stress relief. Popular products include Theragun Pro, Elite, and mini massage devices designed for physical therapy, athletic training, and personal wellness applications, with pricing from $150 to $600+ for professional-grade recovery equipment.
Callaway offers golf clubs, golf balls, golf bags, accessories, and apparel featuring AI-designed club faces, advanced materials, and performance optimization technology. Popular lines include Epic, Rogue, and Apex club collections designed for beginner, intermediate, advanced, and professional golfers, with pricing from $200 to $2,000+ for complete golf club sets.
Baccarat provides fine crystal glassware, decorative objects, lighting, and jewelry representing French crystal craftsmanship since 1764. Popular categories include wine glasses, decanters, vases, chandeliers, and gift sets designed for weddings, housewarming presents, and luxury home decoration, with pricing from $100 to $10,000+ for custom crystal installations.
Shops by Chase operates on a fixed 1¢ per Ultimate Rewards point redemption system across all brands and products. This standardization means 10,000 points equals exactly $100 in purchasing power, 50,000 points equals exactly $500 toward any item or combination of items, and 100,000 points equals exactly $1,000 in shopping credit.
Unlike some redemption methods, points can cover the complete purchase total including product price, sales tax, and shipping charges with no cash required for fees or taxes when using points exclusively. The platform allows precise point usage with any amount of points from 100 upward, no minimum point requirements for partial payments, real-time calculation of point value during checkout, and the ability to save specific point amounts for future travel or other redemptions.
When paying with your Chase card for either full payment or the cash portion of split payments, you earn Ultimate Rewards points at your card's standard rate. Chase Freedom family cards earn 5x points on rotating quarterly categories up to spending limits, 1.5x points on all purchases with Freedom Unlimited, or 1x points on purchases with basic Freedom cards.
Chase Sapphire family cards earn 2x points on travel and dining with Sapphire Preferred plus 1x on other purchases, or 3x points on travel and dining with Sapphire Reserve plus 1x on other purchases. Chase Ink business cards earn varying rates including 3x points on specific business categories up to annual limits or 1.5x points on all purchases with Ink Unlimited.
Ultimate Rewards points can be combined between your personal Chase cards for free, allowing you to transfer points from multiple cards to your primary account, combine business and personal card points, pool household member points with proper authorization, and optimize point balances before large redemptions.
Before redeeming points through Shops by Chase, consider alternative redemption values such as travel partner transfers that often yield 1.5¢ to 3¢+ per point value, Chase travel portal bookings that historically offered 1.25¢ to 1.5¢ per point depending on your card, or baseline cash redemption at 1¢ per point through statement credits or direct deposits.
Shops by Chase redemption makes most sense when you have excess points beyond travel needs, specific products are on sale or promotion creating effective value above 1¢, you prefer tangible goods over travel, you're using Sapphire Reserve shopping credits, or you want to clean up small point balances in your account.
The checkout process presents three distinct payment options with real-time calculations for optimal decision-making. All points payment shows the total point cost including taxes and shipping, confirms sufficient point balance across linked cards, allows selection of which card's points to use if multiple options are available, and reviews point balance remaining after purchase.
All cash payment lets you select which Chase card to charge, reviews the total dollar amount including all fees, confirms the card has sufficient available credit, and previews rewards points that will be earned on the purchase. Split payment configuration uses a slider tool or manual entry to specify point amounts, provides real-time calculation of the remaining cash portion, allows adjustment of point usage up to available balance, and offers optimization suggestions for point preservation.
Shipping and delivery options include confirming your primary shipping address or selecting alternates, choosing delivery speed including standard, expedited, or overnight where available, adding delivery instructions or special handling requests, and reviewing estimated delivery dates and tracking information.
The final order review confirms all items, quantities, and prices, shows the payment method breakdown, reviews shipping details and estimated delivery, requires terms and conditions acknowledgment, and generates order placement with confirmation numbers.
Choose your Chase card based on current promotions and benefits by using Sapphire Reserve for purchase protection on expensive items, maximizing quarterly 5x categories with Freedom Flex when applicable, leveraging business cards for business-related purchases, and considering card credit limits and payment due dates.
Point preservation techniques include using minimum points necessary to unlock promotional pricing, reserving high-value points for premium travel redemptions, applying points to taxes and shipping only while paying item costs in cash, and maintaining emergency point reserves for unexpected travel opportunities.
The launch promotion from June through July 2025 featured 15% discounts on select brands including CALPAK for all luggage and travel accessories, Dyson for vacuum cleaners, air purifiers, and hair care tools, Solo Stove for fire pits, camping stoves, and outdoor accessories, and Therabody for Theragun devices and recovery equipment.
Promotion mechanics include automatic discount application at checkout, stackability with point redemptions for maximum savings, no minimum purchase requirements, and validity through July 11, 2025. When using the 15% discount with point redemptions, the effective point value increases to 1.15¢ per point, making a $1,000 item with 15% off cost $850 or 85,000 points, creating savings equivalent compared to the 1¢ base redemption rate.
Expected seasonal promotions include back-to-school electronics and tech accessories in August, fall fashion apparel and accessories from luxury brands in September, Black Friday and Cyber Monday site-wide discounts and exclusive bundles, holiday shopping gift sets and premium packaging options in December, and New Year fitness and wellness equipment focus in January.
Brand-specific promotions feature product launch events with early access to new items from partner brands, inventory clearance with end-of-season sales on seasonal merchandise, anniversary sales celebrating brand partnerships with special pricing, and exclusive bundles offering Chase-only product combinations and gift sets.
Sapphire Reserve premium benefits include early access to sales and new product launches, exclusive customer service lines for shopping inquiries, enhanced return and exchange policies, and access to limited edition and exclusive colorways. Business card holder benefits feature volume pricing for bulk purchases, business-specific product categories and brands, enhanced warranty and return policies for business use, and dedicated business customer support.
Shops by Chase operates as a direct marketplace compared to American Express Offers' card-linked offer system. While Shops by Chase features 15+ curated premium brands that are always available without activation, Amex Offers provides 100+ rotating offers that must be individually activated. Shops by Chase offers point redemption plus occasional discounts exclusively on the Chase platform, while Amex Offers provides statement credits or bonus points that stack with merchant sales at any merchant location.
The strategic usage difference means Amex Offers work best for targeted savings on planned purchases while Shops by Chase excels for point redemption and exclusive access. These programs can be used complementarily for different shopping needs rather than as direct substitutes.
Capital One Shopping functions as a browser extension tool available to anyone, covering 30,000+ online retailers with price comparison and coupon finding as the primary benefit. In contrast, Shops by Chase operates as a bank-operated marketplace exclusively for Chase cardholders, featuring 15+ premium brands with point redemption convenience as the main advantage.
Capital One Shopping earns shopping credits (cashback) through a third-party browser tool providing multi-retailer price comparison, while Shops by Chase earns standard card rewards through native banking platform integration with single marketplace pricing. The optimal strategy involves using Capital One Shopping for price discovery and coupon finding across all online shopping, then evaluating Shops by Chase for point redemption value when prices are competitive.
Rakuten operates as a cashback earning portal covering 3,500+ retailers with 1% to 15% cashback rates, accepting any payment method through a free account available to anyone with quarterly payout methods. Shops by Chase functions as a point redemption system covering 15+ curated brands with 1¢ per point redeemed, requiring points or Chase card payment exclusively for Chase cardholders with instant value at checkout.
The strategic integration approach uses Rakuten for earning cashback at retailers not available in Shops by Chase while using Shops by Chase for redeeming accumulated Chase points. These programs cannot be combined for double-dipping on the same purchase.
Bank of America Deals operates on an activation model requiring individual offer activation for diverse local and national merchants, providing statement credit offers with rotating monthly availability, varied spending requirements, and capped cashback amounts. Shops by Chase provides continuous availability without activation for curated premium national brands, offering discounts plus point redemption with no spending minimums and no caps on point redemption.
Comprehensive price research requires checking Shops by Chase pricing for desired items, comparing with Amazon, manufacturer websites, and specialty retailers, factoring in any active Shops by Chase discounts, including shipping, taxes, and return policy values, and determining effective value when using points versus cash.
Price tracking tools integration includes Google Shopping for quick price comparison across retailers, Honey browser extension for automatic coupon discovery and price history, CamelCamelCamel for Amazon price tracking and competitive analysis, and shopping apps from Target, Best Buy, and manufacturers for real-time pricing updates.
The value decision framework evaluates whether Shops by Chase price plus convenience value is less than or equal to the lowest market price plus shopping effort cost, in which case you should use Shops by Chase, otherwise shop elsewhere and save points for higher-value redemptions.
Strategic point allocation involves reserving 70% of points for travel to maintain flexibility for high-value transfer partner redemptions, allocating 20% for shopping to use for Shops by Chase when compelling offers arise, and keeping 10% liquid as an emergency or opportunity fund for unexpected great deals.
Timing optimization includes monitoring Chase promotions by signing up for email alerts and checking monthly for new offers, seasonal shopping planning to align major purchases with promotional periods, point expiration awareness to use oldest points first when managing multiple card accounts, and credit utilization timing to plan large purchases around credit card statement cycles.
Sapphire Reserve shopping credit strategy involves annual planning to map out $250 credit usage across the year, high-value targeting to use credits for items with the best price parity, gift planning to allocate portions of credit for holiday and special occasion gifts, and luxury timing to combine credits with sales for maximum effective value.
Purchase protection optimization focuses on high-value items by always paying partially with your card for protection benefits, documentation strategy to maintain purchase records for warranty and insurance claims, claim preparation to understand coverage limits and procedures before purchase, and benefit stacking to layer manufacturer warranty plus extended warranty plus purchase protection.
Shops by Chase provides specialized customer service with trained representatives for shopping-specific inquiries, comprehensive order management including tracking, modifications, and delivery coordination, streamlined returns and exchanges processed through Chase customer service, and technical support for platform navigation and account access assistance.
Premium support tiers include Sapphire Reserve priority with expedited support for premium cardholders, business customer service with dedicated lines for Ink cardholders, 24/7 availability for round-the-clock support for urgent shopping needs, and multilingual support providing service in multiple languages for diverse customer bases.
Transaction security employs banking-grade encryption using the same security standards as Chase online banking, fraud monitoring with real-time transaction monitoring and alerts, account protection through multi-factor authentication and login security, and payment card protection with secure storage of payment methods and personal data.
Privacy controls feature data usage transparency with clear policies on information collection and use, marketing preferences offering granular control over promotional communications, purchase history privacy with secure storage and limited access to shopping history, and third-party sharing policies providing transparent policies on data sharing with brand partners.
The platform maintains the same security infrastructure as Chase's online banking system, ensuring that shopping transactions receive the same level of protection as financial transactions. Customer service integrates seamlessly with existing Chase support channels, allowing cardholders to use familiar contact methods for shopping-related inquiries.
Returns and exchanges are processed through Chase's customer service system in coordination with brand partners, typically allowing 7-10 business days for point and cash refunds. Purchase protection benefits from Chase credit cards apply to items bought through the platform when paid for partially or fully with a Chase card, providing additional security for high-value purchases.
Shops by Chase represents Chase's ambitious entry into direct e-commerce, offering cardholders a new way to engage with their rewards program that prioritizes convenience and exclusive access over maximum point value. While the platform may not always offer the best prices or highest point values compared to travel redemptions, it excels in integration, simplicity, and access to premium brands.
The platform works best for Chase cardholders with excess Ultimate Rewards points beyond their travel needs, customers who value convenience and integration over maximum optimization, Sapphire Reserve holders with available shopping credits to utilize, and shoppers who can take advantage of promotional periods with enhanced discounts.
Consider alternatives if you consistently achieve higher point values through travel partner transfers, price is your primary consideration regardless of convenience factors, you prefer broader merchant selection over curated premium brands, or you maximize value through shopping portals and card-linked offers that provide additional earning opportunities.
The 1¢ per point redemption rate positions Shops by Chase as a baseline value option that provides convenience and exclusive access rather than premium value. This makes it most valuable when combined with promotional discounts, Sapphire Reserve credits, or when purchasing items that maintain price parity with other retailers.
As Chase continues expanding the brand portfolio toward their stated goal of approximately 30 brands by the end of 2025, the platform's value proposition may improve through increased selection and more frequent promotional opportunities. The integration with premium card benefits suggests Chase views this as a long-term strategic investment rather than a temporary promotion.
For optimal results, treat Shops by Chase as one component of a comprehensive rewards strategy rather than a primary shopping destination. Use it strategically when promotions align with your needs, when you have excess points to utilize, or when the convenience and exclusive access justify the potentially lower point value compared to travel redemptions.
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