Chase quietly rolled out a promotion that lets Sapphire and Freedom cardholders earn an extra 10x Chase Ultimate Rewards points when checking out with Paze. The bonus stacks on top of your card's normal categories AND on top of Chase Shopping Portal bonuses, so the right combination can push your earn rate as high as 15x per dollar. The promo runs through December 31, 2026 and caps at $1,500 in Paze spend per month. Maximize it every month for the rest of the year and you walk away with up to 120,000 bonus Chase points.
Most people haven't heard about it yet, partly because Paze is brand new and partly because Chase didn't make a big announcement. I'll walk you through how the math works, which merchants are actually worth using, and how to set up Paze in your Chase app.
What the Paze Bonus Actually Is
The promotion is simple. Use Paze to check out at participating online merchants with an eligible Chase card, and you earn an additional 10 Chase Ultimate Rewards points per dollar on that purchase. The bonus is capped at $1,500 in combined Paze purchases per month, which equals 15,000 bonus points per month.
The cards that qualify are:
- Chase Sapphire Reserve
- Chase Sapphire Preferred
- Chase Freedom Flex
- Chase Freedom Unlimited
- The original Chase Freedom
If you hold any of these, you're likely already enrolled. To check, log into your Chase account, go to Benefits & Rewards, then Card Benefits. The 10x Paze offer should be listed there.
Total opportunity through December 31, 2026
We're in May. That gives you 8 months to max the promotion. If you funnel $1,500 through Paze every month, that's $12,000 in spend total. At a base of 10x bonus points, that's up to 120,000 bonus Chase Ultimate Rewards points by year end, on top of whatever your card normally earns.
What Paze Is
Paze is a new digital wallet, similar in concept to Apple Pay or PayPal. It was built by a consortium of major US banks, including the same group behind Zelle. The idea is to give banks a checkout option at online merchants that doesn't route through Apple, Google, or PayPal.
Like Apple Pay, Paze doesn't share your actual credit card number with the merchant. It tokenizes the transaction, so the merchant never sees your real card data. From a security standpoint, that's a plus.
The reason this promotion exists is that Paze is new. When digital wallets launch, the only way to drive adoption is to give people a real reason to switch. Chase's 10x bonus is that reason. Expect the offer to disappear once Paze hits scale.
The 15x Stack Math
The 10x Paze bonus stacks on top of your card's regular category multipliers.
Stack examples
Chase Sapphire Reserve booking a flight on united.com: 4x (CSR airline direct booking) + 10x (Paze) = 14x Chase points per dollar.
Chase Sapphire Preferred ordering online groceries through ShopRite: 3x (CSP online grocery) + 10x (Paze) = 13x Chase points per dollar.
Chase Freedom Flex when its 5x rotating category overlaps with a Paze merchant: 5x (Flex rotating) + 10x (Paze) = 15x Chase points per dollar.
The 15x stack only happens when the Freedom Flex rotating category lines up with a Paze merchant, so it's situational. But 13x to 14x stacks are easier to hit on regular spend.
Stack Rates by Card and Paze Merchant
Pushing It Further: The Chase Shopping Portal Triple Stack
You can layer one more bonus on top of this whole stack using the Chase Shopping Portal. The portal is a cashback-style page built into your Chase account, where you click through to the merchant first, then check out normally. Chase pays you bonus points for the click-through.
Right now Sephora is offering 2x bonus Chase points through the portal. That stacks on top of both Paze and your card's base rate.
So the math on Sephora through Chase Shopping Portal + Paze + Freedom Unlimited becomes 1.5x (CFU base) + 10x (Paze) + 2x (shopping portal) = 13.5x Chase points per dollar.
Portal multipliers rotate constantly. Before any Paze checkout, open the Chase Shopping Portal first and check if your merchant has an active bonus. If it does, click through, then come back and check out with Paze. Triple stacked.
Participating Merchants Worth Using
Paze is currently accepted at about 25 merchants. Some are far more useful than others. Here's where I'd focus:
- United Airlines. Book flights directly on united.com with Paze and a Chase Sapphire Reserve and you're at 14x per dollar. If you fly United anyway, this alone is worth setting up Paze for.
- Sephora. Easy to max the $1,500 monthly cap if you or your partner buys regularly. Currently also active in the Chase Shopping Portal for 2x bonus points, so triple stack territory.
- ShopRite. East Coast grocery chain that supports online orders with in-store pickup. Online grocery counts as a bonus category on the Chase Sapphire Preferred, so you can stack 13x on weekly groceries.
- Newegg. The sleeper pick. Newegg sells a huge variety of products: electronics, computer parts, peripherals, home goods, appliances. That makes it the most flexible Paze merchant on the list whenever you need to max the cap on something you'd buy anyway.
- Dunkin'. Daily coffee adds up quickly.
- Zales and Jared. If you're buying an engagement ring or anniversary gift, one purchase can max the monthly cap and earn 15,000 bonus points in a single transaction.
- Domino's and Whataburger for everyday food.
- Harry & David, Omaha Steaks, 1-800-Flowers, Teleflora for gifts.
The full list also includes Broadway.com, City Experiences, Fanatics, GNC, Personalization Mall, Pet Supermarket, Roku, USA Today, and Banter by Piercing Pagoda. You can see the complete list at paze.com/merchant-directory.
How to Set Up Paze in Your Chase App
Setup takes about 60 seconds:
- Open the Chase mobile app.
- Tap Manage Account.
- Tap Digital Wallets.
- You'll see options for Apple Pay, PayPal, and Paze. Tap Paze.
- Walk through the prompts. Paze links to your Chase card automatically.
After setup, when you check out online at a participating merchant, you'll see a Pay with Paze button next to the other digital wallet options. Tap it, authenticate, done.
There's no separate app to download. Paze lives inside your Chase app.
Max's Take
This is one of the better Chase promotions I've seen in a while. The cap is generous enough that maxing it gets you a serious points haul by year end.
The main limitation is the merchant list. Paze is brand new, so the directory is small. But with United, Sephora, ShopRite, and Newegg on the list, most people can find at least one regular spend category to funnel through Paze every month. And if you remember to check the Chase Shopping Portal first, the triple stack adds even more on top.
If you don't have a qualifying Chase card yet, the Chase Sapphire Reserve right now is offering 150,000 points, which combined with the Paze bonus is a strong setup heading into the back half of the year.
Bottom Line
Chase Sapphire and Freedom cardholders can earn an extra 10x Chase Ultimate Rewards points on Paze checkouts through December 31, 2026, capped at $1,500 in spend per month. The bonus stacks on existing card categories AND Chase Shopping Portal bonuses. Sapphire Reserve hits 14x at United direct, Sapphire Preferred hits 13x on online groceries, Freedom Unlimited hits 13.5x on Sephora through the portal, and Freedom Flex can hit 17x when the rotating category overlaps with both a Paze merchant and an active portal bonus. Max the cap every month and you can walk away with up to 120,000 bonus Chase points by year end.
If you've already got a qualifying card, take 60 seconds to set up Paze in your Chase app. The hardest part of this promotion is just remembering to use Paze at checkout, and to check the Chase Shopping Portal first whenever it might add an extra layer.
