Maximize Shop through Chase

If you have multiple cards with Chase Ultimate Rewards and you are trying to maximize your points using the Shop through Chase portal, do a quick double check to see if your cards give you different earning rates.

I recently checked Groupon and my Sapphire Preferred offered a 4 pts / $ bonus while my Freedom Unlimited and Freedom both offered 8% extra cash back. Since the Freedom Unlimited gets 1.5% cash back on all purchases, I can get 9.5% cash back on the Freedom Unlimited and transfer that cash back to the Sapphire Preferred.

4 bonus pts / $

Sapphire Groupon Bonus

8% bonus

Freedom Groupon Bonus

My current rewards strategy.