Christie Matherne, Credit Card Writer
The Chase Ultimate Rewards Mall allows Chase credit card customers to redeem Ultimate Rewards points for travel, gift cards, cash back, merchandise and more. The Shop through Chase section of the Chase Ultimate Rewards Mall also enables cardholders to earn an extra 1%-25% in Ultimate Rewards points when buying merchandise from eligible retailers online.
How to Redeem Points Through the Chase Ultimate Rewards Mall
To redeem Chase Ultimate Rewards points, log into your Chase credit card account from the Ultimate Rewards page. There, you’ll find a horizontal menu at the top listing all your options, from cash back to deals. It’s pretty straightforward, but there are a few features worth highlighting.
- Using your Ultimate Rewards for Amazon or Apple purchases is really convenient. Both options have their own buttons in the Chase Ultimate Rewards Mall menu.
- If you choose to redeem your points for cash back, there’s no minimum amount of points needed to cash them in. Ultimate Rewards are redeemable for cash back in the form of a statement credit or a direct deposit into most U.S. checking and savings accounts.
- Make sure to check out the “Deals” section, which will steer you toward discounted gift cards (that you can buy with points) and Shop through Chase retailer bargains (not available to buy with points).
Bear in mind, however, that Ultimate Rewards points are worth different amounts depending on which Chase credit card you have and how you redeem them. For example, a Chase Sapphire Reserve® point can be worth up to 1.5 cents when redeemed for travel. Chase Ultimate Rewards points are worth $0.008 per point (100 points = $0.80) when redeemed for Amazon purchases.
How to Earn Extra with “Shop through Chase”
One great feature of the Chase rewards Mall is the Shop through Chase section, which you can access by clicking the “Earn Bonus Points” link in the main navigation bar. You won’t be able to use points to make purchases from Shop through Chase retailers. But your purchases earn an extra 1%-25% in Ultimate Rewards points when you go to an eligible retailer’s site through the Chase Ultimate Rewards Mall, rather than going directly to the retailer’s regular URL.
Popular “Shop through Chase” Retailers
- IT Cosmetics
- JC Penny
- Under Armour
It’s worth noting that when using Shop through Chase, you can’t pay with points, and only purchases made with an eligible Chase credit card will earn the extra bonus points. Chase cards that don’t give Ultimate Rewards points, such as the two co-branded Disney credit cards, can’t earn the extra points offered by Shop through Chase.
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