Chase and Amex shopping portals: what we track, and what nobody can

Chase and Amex both pay you for shopping you were doing anyway, and until September 2026 we could not show you a number for either. That has changed for one of them. Chase's shopping portal rates have been on this site since then, as two entries, because Chase publishes two sets of them. Amex Offers are not, and cannot be. They are added to each card account one offer at a time, so no one can publish a rate that is true for you.

Chase shopping portal rates we track now

Chase runs a shopping portal, Shop through Chase, that pays Ultimate Rewards (UR) points rather than cash, and it publishes two sets of rates. Both are here:

• Chase Freedom
• Chase Sapphire

Every card in the Freedom family is shown the Chase Freedom rates, and every card in the Sapphire family is shown the Chase Sapphire rates. Rates move, so confirm the number in your own account before a big purchase.

The portal itself still sits behind your Chase login, so you need your own account to click through and earn. The rates are the part you can check here first.

How to read a Chase rate

Chase states its rates as a multiplier, so a store showing 4 pts/$ pays 4 Ultimate Rewards points for every eligible dollar you spend. Some stores instead run a one-time bonus, a fixed lump of points for making any qualifying purchase, and those are kept apart from earn rates everywhere on this site rather than ranked against them.

Is a Chase multiplier better than a cash rate?

A multiplier is not comparable to a cashback percentage until you decide what a point is worth to you. Sign in and set your own point values, then turn on "Rank by value" on any store page to see how a Chase multiplier stacks up against a cash rate using your figures rather than ours. Same test as whether any rate is actually good.

One thing the rate does not tell you: the points are the same, but what you can do with them is not. The Sapphire family is the one that can usually move points to airline and hotel partners, and Chase prices travel redemptions differently by card. Which cards can reach transfer partners is set by Chase, not by this site, so check Chase's current terms for your card. What a point is worth to you is the number to set in your own account.

Amex Offers are a different thing, and a black box

American Express adds offers to your card account individually, and you have to add each one before it earns anything. Two people with the same card can be shown different offers on the same day. There is no number anyone can read and publish that would be true for you, so we do not publish one. Card-linked offers are a separate kind of deal, covered in card-linked vs click-through offers and in the cashback portals guide.

The only other card portal we list, BarclayCard RewardsBoost, sits behind a login and we cannot read its rates yet, so it counts toward no comparison, ranking or verdict. You can see it on our portal directory, where the Card group counts it as not yet live.

Worth clearing up while we are here, since the name is easy to misread: Rakuten shows its own rate in American Express Membership Rewards (MR) points as well as in cash, and we track that pair. So if a rate on this site says "Amex", it is Rakuten paying in MR points, not a card-linked Amex offer.

What to actually do about it

• Check the set that matches your card before a big purchase. If your card is in the Freedom family, read Chase Freedom; if it is in the Sapphire family, read Chase Sapphire. Then put that multiplier against the best cash rate on the same store, using your own point values.
• Still open your Amex Offers tab yourself. It is the one place a real offer can be sitting that nothing on this site can see. Worth thirty seconds before a large order.
• Set an alert on the store, not on the portal. Pick a store you know you are buying from, and we email you when a portal's rate on it changes, Chase included.
• Compare everything else side by side. Here is Everlane, with the cash, miles and points rates in one table, Chase included:

The bottom line

Card portals can beat the open portals at a specific store, and now you can check Chase the same way you check everything else. We track 44 portals across cashback, airline miles, points and card programs, the two Chase portals among them: pick your card family's entry, browse every store we compare for the full side by side, and give your Amex Offers tab a look before the purchases big enough to matter. For the wider points picture, read the airline shopping portals guide, and find every card-portal post under Credit card shopping portals.