Is Chase Giving Better Rewards To Less Expensive Cards?

I use shopping portals to get miles for things I’d be buying anyway. Portals are websites that you click through to get to other websites. When shopping through a portal, you can get different types of bonuses. There are cash back portals, like Ebates, which pay you a percentage of your purchase, whereas airlines and hotels run portals that pay you back in miles or points in their respective programs. Credit cards also have shopping portals, where you can earn points in the corresponding rewards programs like Chase Ultimate Rewards.

I love earning Ultimate Rewards points that are worth at least 1.5 cents each for things I’m buying anyway

There are dozens of these portals out there so I like to check several of them before making any purchase online. My current favorite site to check the current payout rates is Cashback Monitor. This website keeps up to date listings of the amount that each shopping portal will pay for a specific website.

Anyway, I wanted to purchase a deal I saw on Groupon. I know there are usually great deals for purchases with Groupon on varying shopping portals and was happy to see that Chase had a great payout…

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Seeing a eight point per dollar payout with Chase Sapphire was great. That’s like getting  a 10% rebate on my purchase. Even the four point per dollar for the Chase Freedom cards (which have no annual fees) is a good return.

I logged into my Chase account and went to the Ultimate Rewards page for my Sapphire Reserve card, but was disappointed to see that the rate was only listed at four points per dollar for Groupon. 🙁

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Now, I know Cashback Monitor isn’t perfect. The portals can change the payouts at any time and this website is trying to keep an updated list of all the possible websites and all the payouts for every portal. Not an easy job, to say the least.

I did have one idea before I gave in. I decided to log into Sharon’s Ultimate Rewards account. She has a Sapphire Preferred card (here’s why we still keep it when I have a Sapphire Reserve).

Chase Sapphire Preferred

Imagine my surprise when I saw the payout for the Sapphire Preferred was eight points per dollar.

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Not only did the Sapphire Preferred have a better payout than the Sapphire Reserve for Groupon (8 PTS vs 4 PTS), it also was paying more for H&R Block (18 PTS vs 10 PTS) and for Shopbop (6 PTS vs 3 PTS). I think this might have been a limited promotion, as when I checked today, most of the websites were giving the same payouts for both cards. I still find it interesting that Chase would target a bonus for their shopping portal only good for holders of the Sapphire Preferred. I guess the Reserve cardholders are already costing them too much money so there’s no reason to give them even more points.

In order to get the best return for your online purchases, I recommend checking websites like Cashback Monitor. It’s the easiest way to find which shopping portals have the best payouts before buying anything online. You just need to make sure the amounts on the portals match what you saw on their website. By doing this, you might be able to rack up a nice stash of points for just making one additional click of your mouse.

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