I found that aside from using my credit card at restaurants and on travel purchases, I could earn a significant amount of points just by doing my online shopping through Chase’s rewards shopping portal, Chase Ultimate Rewards®.
By shopping through Chase over the past six months, I have earned a total of 2,468 points (or $37.02 in travel money). I earned 174 points just by purchasing my avocado eye cream from Kiehl’s website, where I was given six points for each dollar I spent (the cream was $29). Spending those 174 points on travel means I am $2.61 closer to a much-needed vacation, and all I had to do was log into my credit card rewards portal.
I recently purchased my sister a Groupon for a facial for her birthday, and Chase was having a limited time offer of eight points per dollar, so I took advantage of that and earned 377 points in the process. Not every retailer has a significant points-per-dollar ratio, though.
Here’s how it works
1. Log into Chase Ultimate Rewards®.
2. Click on the “Earn bonus points” menu item.
3. You’ll see several “Featured stores”; to see all of them, click on “All stores.”
4. Once you see your desired retailer, hover over the card and a “Shop now” button will appear.
5. Click on the “Shop now” button. It will take you to a landing page where you can read Chase’s terms and proceed to the retailer’s website to start shopping.
The stores are listed alphabetically for an easier find, and you can “like” your favorite retailers so they appear at the top of your featured stores. There’s a section within the featured stores that displays seasonal offers/limited time bonus point offers.
This Mother’s Day season, ProFlowers had a 15 points per dollar offer, which I took advantage of, along with the three points per dollar at Shopbop. The points-per-dollar ratios and the retailers change frequently so be sure to check back often to keep up to date with these great cash back offers. The offers have exclusions so read the details carefully, but I haven’t really ever had any issues with purchases that didn’t meet the basic requirements.
Once you have added everything to your cart, check out and pay with your Chase card to validate the points earned. You should get an email from Chase once your payment is processed, thanking you for shopping through their portal and letting you know exactly how many points that purchase earned you.
Part of the routine
While online shopping, I’ve made it a habit to check the Chase Ultimate Rewards® portal before adding things to my cart. It makes a huge difference if you can earn free money on purchases you were already planning on making.
Some of my additional favorite retailers that offer a cash back bonus include:
- Macy’s (five points per dollar)
- Anthropologie (two points per dollar)
- Bose (eight points per dollar)
- Asos (two points per dollar)
- Intermix (two points per dollar)
- Houzz (four points per dollar)
(Please note that points-per-dollar ratios fluctuate. All of the ones cited in this article were confirmed as of May 17, 2018.)
How to maximize your rewardsYou want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2018, including those best for:
- Airline miles and a large bonus: Chase Sapphire Preferred® Card (Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®).
- Flat-rate travel rewards: Capital One® Venture® Rewards Credit Card (Earn unlimited 2 miles per dollar on every purchase).
- Premium travel rewards: Chase Sapphire Reserve® (Get 3 points per dollar on travel and dining at restaurants worldwide and 1 point per dollar on all other purchases).
- No annual fee: Bank of America® Travel Rewards credit card (Earn unlimited 1.5 points per dollar spent on all purchases, with no annual fee).
- Luxury perks: The Platinum Card® from American Express (Get 5 points per dollar on flights booked directly with airlines or through American Express Travel, plus get access to the Global Lounge Collection). Terms Apply.
The views expressed here are solely those of the author and do not necessarily reflect those of NerdWallet or its partners.