Introduction
Shop through Chase is part of the Ultimate Rewards program. It gives you access to online retailers through designated merchant links, where you can earn bonus points for specific promotional offers. The rules for when those points are paid, and when they aren't, sit in Chase's supplement to the Ultimate Rewards Program Agreement. This guide walks through them. Every rule here comes from that supplement.
How It Works
You reach a retailer through the designated merchant links on Shop through Chase. Chase says you'll see the merchant's specific offer terms before you leave chase.com/ultimaterewards to shop. Offer terms, restrictions and conditions can differ for each merchant and offer, and participating merchants and offers can change without notice.
Chase names two providers for the program: JPMorgan Chase Bank, N.A. and Cartera Commerce, Inc. Chase says Cartera is a third-party service provider and isn't affiliated with JPMorgan Chase Bank, N.A.
What Doesn't Earn Bonus Points
Chase lists these cases, where you won't earn bonus points for online offers:
- Going directly to a merchant site instead of using the designated links on Shop through Chase
- Taxes, shipping or handling fees paid to a merchant
- Coupon codes or other promotions from third-party coupon sites or other forums
- Purchases made in-store with a merchant
- Purchases that are returned or where the merchant provides a refund
When Points Post
Bonus points typically show on your Rewards Activity page within 3 to 5 business days after your purchase is completed. Posting to your monthly billing statement may depend on the merchant's policies for shipping or fulfillment.
In some instances, it can take up to two billing cycles for the points to become available. Chase gives an example: many travel-related merchants won't post points until after the beginning of your travel. Providers can reverse bonus points if a Shop through Chase purchase is canceled, returned, refunded or changed.
Reasons Bonus Points May Not Be Awarded
Chase says you may not be awarded bonus points if the merchant determines you didn't fulfill all the terms and conditions of an offer, or if a provider or merchant believes you misused an offer or engaged in fraudulent activity. Buying gift cards, gift certificates or other similar cash equivalents can also mean no bonus points.
Tracking matters too. If your browser doesn't support cookies and JavaScript, if those features are turned off, or if software such as security or filtering software hinders them, Chase can't track and credit your bonus points. The same goes when a merchant can't support Shop through Chase offers on mobile or tablet devices. Chase says it shows a pop-up notification on your mobile or tablet when it knows a merchant offer isn't supported there.
Privacy and Notices
Merchants may share information about your Shop through Chase transactions with Chase so it can credit your bonus points. Chase says that when you transact through Shop through Chase, you're letting the merchant know you have a credit card account with JPMorgan Chase Bank, N.A. You also agree that Chase can email you about your Shop through Chase activity and merchant offers.
Your Next Step
Before you buy, open the merchant from Shop through Chase, read the merchant's offer terms, and keep your browser's cookies and JavaScript on. Then check your Rewards Activity page, where bonus points typically show within 3 to 5 business days. Some take up to two billing cycles, and many travel-related merchants won't post points until your travel begins.
