Why I’m Ditching Earning Extra Chase Ultimate Rewards Points – And What I’m Doing Instead

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Why I’m Ditching Earning Extra Chase Ultimate Rewards Points – And What I’m Doing Instead

EmilyWhy I’m Ditching Earning Extra Chase Ultimate Rewards Points – And What I’m Doing InsteadMillion Mile Secrets Team

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I love shopping through the Chase Ultimate Rewards shopping portal.  That’s because I can earn TONS of extra Chase Ultimate Rewards points for purchases I’m going to make anyway.  For example, I recently had to buy a new car seat for my daughter.

Normally, I would log onto the Chase Ultimate Rewards shopping portal and see where I can buy the car seat to earn the most number of points per $1 spent.  And then use a Chase credit card that earns Chase Ultimate Rewards points like the Chase Sapphire Preferred® Card.

But since my family and I recently got approved for 3 new travel credit cards, some of which are NOT Chase cards, I need to consider meeting the minimum spending requirements of those credit cards first.

I can use these non-Chase credit cards in the Chase portal to earn bonus Chase Ultimate Rewards points.  But by putting spend on cards like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® I’ll be earning American Airlines miles and Chase Ultimate Rewards points instead of ALL Chase Ultimate Rewards points like I would if I had put that same purchase on the Chase Sapphire Preferred® Card.

Because I Need to Hit My Minimum Spending Requirements, I’m Using Some Non-Chase Credit Cards in the Chase Shopping Portal

My Love Affair With the Chase Ultimate Rewards Shopping Portal

I love using the Chase Ultimate Rewards shopping portal and trying to get the most number of points for stuff I need to purchase anyway.  Points can add up fast — for example, I previously purchased a stroller that earned me half the miles needed for a 1-way flight!

Forcing myself to instead spend on my new travel credit card almost didn’t seem natural.  Although I know the benefits earned from new credit cards are worth much more than some extra Chase Ultimate Rewards points.

I Like to Shop Online and Earn LOTS of Extra Chase Ultimate Rewards Points

Since my mom recently got approved for the Chase Sapphire Preferred® Card, she can earn even more Chase Ultimate Rewards points by shopping through the Chase portal.  But she’s newer to the miles & points hobby, and I don’t think she knows that something as valuable as the Chase Ultimate Rewards shopping portal even exists (mom, I hope you’re reading this! 😉 ) or how to use it.

I’m sending her the link to our popular guide on How to Earn TONS of Bonus Points by Using the Chase Ultimate Rewards Shopping Portal, which explains in detail how to use it.  That way, she can maximize the Chase Ultimate Rewards points she’s earning from her new Chase travel credit card!

Note:  It’s always worth checking sites like Cashbackmonitor and Evreward to see if other portals have higher earn rates for the store you’re shopping at.

Getting 3 new credit cards means my family and I need to complete a significant amount of minimum spending.  We are being very focused on making sure we meet the spending to ensure we get the bonus for these credit cards.  We’re prepaying insurance, buying our 2019 supply of contact lenses, and doing other things to meet our minimum spending requirements.

And that means not using the Chase Sapphire Preferred® Card for everything.  We have to be sure to hit all the spending thresholds on the 3 new credit cards to unlock the 3 big intro bonuses!

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Chase Sapphire Preferred® Card

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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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I recommend using the Chase Freedom Unlimited, so you get the 1.5 points per dollar and then transfer those points over to your Sapphire Preferred account for the higher redemption value.


Yes, that’s what I usually do! But we are trying to meet minimum spending requirements for new credit cards.

What, you can use any card on Chase portal. At least from what I’ve heard…

This is what it says on the website:
When you’re ready, select the button and you’ll be taken directly to that merchant’s site to begin shopping. You can close the Chase window – you’ll still earn extra cash back if you pay with your Chase Freedom Unlimited℠ card.

After you pay with your Chase Freedom Unlimited℠ card, you’ll see your extra cash back appear on your statement within 3-5 business days – however it may take up to 2 billing cycles, depending on the merchant.

When I switch cards to the Reserve it has the same language (just switch cash back with points and the card names).

It’s what it says, but try it and be surprised

When I’ve used the portal (sadly, most of my purchases are on Amazon and therefore don’t qualify), it says I have to use the card linked to the portal (so if I look up offers on the CSR, I have to use that one, and offers on the Freedom Unlimited, that one).

Wait, what?? Why aren’t you meeting the minimum spend on your new cards WHILE using the UR portal? They aren’t mutually exclusive – you can use the UR portal with any credit cards, gift cards, etc. You’re leaving points on the table for no reason!


I agree! I’ve told my mom about the benefits, so she’s slowly getting more familiar with the portal. I was able to log onto her account and buy contact lenses, stuff from WalMart, and Etsy, and earned more points!

Right? This makes zero sense.


Sometimes, if you are brand new to the miles & points hobby and have a busy life, you only have so much brain power and can’t maximize everything. My mom’s doing the best she can and will soon become a miles & points pro!