Chase Shop and Earn Portal: UR Rates for the Top Catalog Brands
Chase Shop and Earn Portal: UR Rates for the Top Catalog Brands
Chase's shopping portal has a name many cardholders never notice: Shop and Earn. Chase's own Ultimate Rewards page describes it in one line: "Earn 1-15 bonus points per $1 spent at 1,000+ stores with Shop and Earn." Those are Ultimate Rewards points, earned on top of whatever your Chase card pays at checkout. The catch for anyone comparing portals is that Chase keeps the rates behind its sign-in. When we opened the portal's address on October 7, 2026 without signing in, it went straight to Chase's sign-in page. So the store-by-store rates are visible only to cardholders, inside their own accounts. This guide covers how Shop and Earn works, how to compare it with the portals that publish their rates openly, and what the points are worth once they land.
How You Earn Points
Shop and Earn is open to Chase credit cardholders who earn Ultimate Rewards points. You sign in, open Shop and Earn, pick the store, click through to its website and shop as normal; the portal credits bonus points on the purchase. Chase quotes a range, 1 to 15 bonus points per dollar, rather than one rate, because each store carries its own rate. The number that counts is the one shown on the store's listing at the moment you click through.
Those bonus points come on top of the card itself. A Chase card pays its normal earn on the payment, and the portal pays its bonus on the same order through a separate channel. Because the portal earns from the click and the card earns from the charge, starting the order anywhere other than the portal forfeits the bonus but not the card's earn.
Shop and Earn is one of several things Chase lists under Ultimate Rewards. The same page lists cash back as a statement credit or a direct deposit into an eligible Chase account, gift cards from "over 200" brands, Pay Yourself Back statement credits on eligible purchases, travel booked through Chase, transfers to airline and hotel partners "with select cards," and paying with points at Amazon.com, through PayPal and for Apple purchases at The Shops at Chase. It also lists Chase Dining, where points pay for takeout, exclusive reservations and culinary experiences, and Experiences, events you attend with your card and points "with select cards." Shop and Earn is the one that adds points; the rest spend them, each at its own value, which is why the value section below matters as much as the earn rate.
Which Catalog Brands Chase Lists
Because the rates sit behind the sign-in, a cardholder is the only person who can see which catalog brands Shop and Earn carries on a given day and what it pays. The check takes a minute: sign in, open Shop and Earn, and search the brand by name. Any website that publishes Chase's store-by-store rates is copying them from a cardholder's account, and it cannot show what your account sees.
What you can see without signing in is what the portals that publish their rates were paying. On October 7, 2026, Rakuten's store pages and the store lists of the United, American, Delta and Southwest shopping portals showed the following for seven catalog brands. That is the bar a Chase listing has to beat.
| Brand | Rakuten | Best airline portal |
|---|---|---|
| Lands' End | 10% (was 2%) | American and Southwest, 3 per $ |
| L.L.Bean | 10% (was 2%) | 1 per $ on all four |
| Sur La Table | 10% (was 2%) | 1 per $ on all four |
| J.Crew | 2% | American, 6 per $ (was 1.5) |
| Eddie Bauer | 2% | American, 1.5 per $ |
| Frontgate | not listed | American and Southwest, 2 per $ |
| Pottery Barn | no cash back | not listed on any of the four |
Our portal rate roundup has the full table for twelve brands and the sources for each rate. Two things stand out for a Chase cardholder. On a day Rakuten pays 10% on a brand, a Chase listing would need about 10 bonus points per dollar to match it at one cent a point. And on the Williams-Sonoma brands, where Rakuten's pages read "No Cash Back" and none of the four airlines listed Pottery Barn, it is worth checking whether Chase lists them at all before assuming a portal will pay.
Stacking Opportunities
- Portal bonus plus card earn — start the order from Shop and Earn so the bonus points ride on top of the points your Chase card earns on the same charge.
- Portal bonus plus the store's own program — for brands with their own loyalty program, the portal pays Chase points while the store pays its own reward; the two are separate systems. Our Key Rewards guide covers the Williams-Sonoma family's program.
- Compare before you click — Shop and Earn, Rakuten and an airline portal are three different portals, and one order credits only the one you started from. Check the Chase rate inside your account against Rakuten's store page and an airline portal's store list, then start from the one that pays the most to you.
- Read the listing's terms — the open portals list exclusions such as gift cards, coupon codes not found on the portal and orders for resale on their store pages; read the terms on the Chase listing before you count on the bonus.
Redemption Value
Chase sets a plain base value. Its Sapphire Reserve page states that points are "worth $0.01 each when redeemed through Chase Travel," so 100 points are worth $1. The upside comes from Points Boost, a promotion on select flights and hotels booked through Chase Travel. Chase's terms say that with a Points Boost promotion, 100 points "could be worth up to $1.50 for Sapphire Preferred, Ink Business Preferred, and Ink Plus cards or up to $2.00 for Sapphire Reserve, J.P. Morgan Reserve, and Sapphire Reserve for Business cards."
Under Points Boost, the higher value applies only to the flights and hotels Chase marks with the promotion, and everything else books at 1 cent. In practice, 1,000 Shop and Earn points from a catalog order are worth $10 at that base value, and up to $15 or $20 if you later spend them on a boosted booking with the right card.
The points also keep. Chase's terms say "your points don't expire as long as your account remains open," with one warning: you lose all your points immediately if the account is closed for program misuse, fraud or similar reasons. Portal points earned on a holiday order can wait for a good booking.
Bottom Line
Shop and Earn is worth a look on every catalog order if you hold a Chase card that earns Ultimate Rewards, because the bonus points cost nothing beyond starting from the portal. The limit is that only you can see its rates, inside your account, so the habit is a quick comparison: the Chase listing, Rakuten's store page and an airline portal's store list, then the portal that pays the most. Value Chase points at 1 cent each unless you plan to use Points Boost on a flight or hotel, where Chase says 100 points can reach $1.50 or $2.00 depending on the card.
References
- Ultimate Rewards - Chase
- Chase Sapphire Reserve - Chase
- Lands' End - Rakuten
- L.L.Bean - Rakuten
- J.Crew - Rakuten
- Pottery Barn - Rakuten
- All stores - United MileagePlus Shopping
- All stores - American Airlines AAdvantage eShopping
- All stores - Delta SkyMiles Shopping
- All stores - Southwest Rapid Rewards Shopping