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There are many Chase credit cards that earn Chase Ultimate Rewards points, and while those points are typically best used for travel opportunities, you can also redeem them at Amazon. While we usually suggest saving them for travel, Amazon currently has an offer that’s a great way to not only use your Chase points, but also to save on your next Amazon purchase.
Chase credit card holders targeted for this promotion can save 50% off their Amazon purchase, up to a maximum discount of $20, when using Chase Ultimate Rewards points at Amazon. Other Chase card holders are being targeted for the same 50% discount, but a maximum savings of either $10 or $15. As of now, this promotion is currently scheduled to end on Dec. 31, 2022
If you’re targeted for one of these offers, you’re in luck, but not all Chase cards are targeted. So we’ve broken it down step by step to see if you’re eligible for the discount and, if you are, show you how to apply it to your Amazon order.
How to save money at Amazon with your Chase credit card
For starters, you must have a Chase credit card that earns Ultimate Rewards points. This includes popular credit cards such as the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® and the Chase Freedom Flex℠. Other Chase credit cards that earn points and miles tied to one specific airline or hotel are not eligible for this offer, unfortunately.
If you have a card that earns Chase Ultimate Rewards points, you’ll need to link it to your Amazon account and enroll in the “Shop with Points” payment option. You can click on this link to add your card to “Shop with Points,” or look for it under the “Your Account” tab on Amazon’s website.
Once your Chase card is linked, click here to activate the 50% off offer. Remember, though, this is a targeted promotion, so you might see a different offer, or a message that says you’re not eligible. If the latter is the case, you may want to check back every so often, as sometimes Amazon targets people later down the line. Also, if you just enrolled in “Shop with Points,” you may need to wait 24 hours to be able to activate the offer.
But if you see the offer, you can enroll by clicking the “Activate now” button, and once enrolled, you can shop for any products at Amazon that are both sold and shipped by Amazon. With either offer, you’ll receive the discount on all your purchases you make until you hit the maximum savings of $10, $15 or $20, depending on your offer.
Unfortunately, items sold by third-party merchants are ineligible for this discount, but while Amazon gift cards are also excluded, you can purchase many other retailer gift cards — such as Best Buy and Whole Foods — and get the discount.
Once your purchases are in your Amazon cart, there’s one more step to get the discount to apply to your order. During the checkout process, you’ll need to select your linked Chase card as your payment method, and then use at least 100 points to pay for your purchase. Once you do, you’ll see the discount show up in your checkout total on the right side of the screen. Keep in mind that this 100 point minimum is new, although there’s a chance that your offer only states a 1 point minimum.
When paying with Ultimate Rewards points at Amazon, 1 point equals 0.8 cents, which isn’t a great value. In fact, frequent flyer website The Points Guy values Ultimate Rewards points at 2 cents apiece when you use them for travel. But you only have to use 100 points at Amazon for this discount to kick in, and the rest of your total can then be paid with your Chase credit card.
Be careful, though, because many times Amazon will automatically apply the full amount of points to your order, so you’ll want to manually change it to just 1 point. To do this, enter $0.80 in the points section, which will apply just 100 points to your payment. Of course, you can apply any number of points you want, but you’ll get more value for your points by using them for travel down the line.
Don’t have a Chase credit card?
Even if you don’t have a Chase credit card — or if you aren’t targeted for this particular promotion — there are often similar Amazon offers for those with Discover or American Express cards. This means there’s a chance you might be able to still save some money on your next Amazon purchase.
Also, other discounts for using your credit card points typically pop up on Amazon from time to time, so even if you aren’t currently targeted for any of these offers, keep your credit card enrolled in Amazon’s “Shop with Points” program in case you’re eligible for another offer at a later date.
If you don’t currently have an eligible Chase card, here are several options you might consider:
Learn more about the Chase Freedom Flex.
Learn more about the Chase Sapphire Preferred Card.
Learn more about the Chase Sapphire Reserve.
Read CNN Underscored’s guide to the best credit cards for Amazon purchases.
Get all the latest personal finance deals, news and advice at CNN Underscored Money.