How You Can Rack Up 15,000 Chase Points Fast

Chase Quietly Launched a 10x Points Offer You Don't Want to Miss 👀

Chase just announced a partnership with Paze, a new digital wallet platform — and it comes with a seriously impressive earning opportunity: 10x points on purchases, up to 15,000 points per month. 💳✨

What Is Paze?

Paze is a digital payment system owned by Early Warning Services (the same company behind Zelle) that's accepted by select online retailers and linked directly to your credit card. Several major banks have already signed on — Chase, Wells Fargo, Bank of America, Capital One, and US Bank among them.

The Chase 10x Offer

Chase is sweetening the deal for certain cardholders by offering 10x points when you use Paze for online purchases. Here's which cards are eligible:

• Sapphire Preferred
• Sapphire Reserve
• Chase Freedom
• Chase Freedom Unlimited
• Chase Freedom Flex

United credit cards are also eligible for 10x points, though their cap is 20,000 points total.

How to Get Set Up

Getting started is straightforward:

1. Open the Chase mobile app
2. Tap Digital Wallet, then select Paze
3. Choose your eligible card — it should link instantly ✅

Where to Shop

Head to Paze.com to see the current retailer list. It's still growing, but a few highlights include Fanatics, Broadway.com, Harry & David, Domino's, and GNC.

Here's where it gets interesting for points enthusiasts 🤓 — New Egg is on the list, and they sell gift cards for a wide range of brands we actually use for travel and everyday spending:

• ✈️ Southwest Airlines
• 🏨 Hotels.com
• 🚢 Princess Cruises
• ✈️ Delta
• 🚗 Lyft
• 🛒 Chewy, Instacart, DoorDash, Uber Eats, Grubhub, Chipotle, Airbnb

Stacking 10x points on gift cards for travel brands? Yes, please.

👉Hot tip: try 3x stacking with Rakuten or your favorite shopping portal

The Numbers

The offer caps at $1,500 per card per month, which translates to a clean 15,000 Chase points. With this promotion running through December 31, 2026, there's real earning potential here if you stay consistent — especially if you're already spending at these brands anyway.

Once your purchase posts, the 10x points will appear in your account automatically. No hoops, no codes.

With 7 months left on this offer, that's a lot of points!  

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

 

Another Easy Way To Earn Miles Shopping Online

 

I love shopping portals! One extra step when I order my cat food can net thousands of extra points and miles. And there is a new kid on the block that you might want to check out. It's called Rove and right now, if you sign up using my referral link, you get 500 miles FREE. Once you earn 1,000 miles, you can transfer them 1:1 to a dozen different airlines and one hotel chain. The site has been adding transfer partners quickly. 

Transfer partners include:

• Aeromexico
• Aeroplan
• All Accor
• Cathay
• Eithad 
• Finnair 
• Flying Blue 
• Hainan Airlines 
• Japan Airlines
• Air India
• Lufthansa
• Qatar
• SAS
• Thai Airlines
• Turkish Miles and Smiles 
• Vietnam Airlines Lotus Miles 
• Virgin Flying Atlantic
• Virgin Red

👉Hot tip: The hotel and airline search function was pretty helpful just to filter flights and mile redemptions so for that reason alone, it's worth setting up a free account. 

You can also use your points to buy hotels and airlines through the platform or you can pay cash and earn as many as 25x points on your bookings. Pretty sweet! 

The marketplace is pretty limited right now comparted to Rakuten and other portals, but the bonus points were pretty high for the stores on the platform. So it's worth checking cashbackmonitor.com or adding the chrome extension. 

Remember if you use my referral link, you get a FREE 500 miles just for signing up. 

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Real Client Case Study: Building a Points Strategy from Scratch

Real Client Case Study: Building a Points Strategy from Scratch

Recently I sat down with a new client to audit her credit card setup and figure out how she could earn and redeem points more effectively. Here's exactly what we went through — and what we decided.

Her Starting Point 📋

• Cards she holds: Chase Sapphire Preferred, Delta Amex Gold, Wells Fargo no-annual-fee card
• Airlines she flies: Primarily Delta, but price-sensitive — so JetBlue, Frontier, and Spirit (RIP ✈️) make regular appearances
• Big recurring expenses: Rent and tuition (paid twice a year, but may incur a 3% credit card fee)
• Home airport: Salt Lake City (SLC)

She was using the Sapphire Preferred for almost everything and the Delta Amex only for Delta purchases. No specific trips on the horizon yet.

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The Strategy: Go Deep on Chase Ultimate Rewards 💳

Since she has no destination locked in, flexible points are her best friend right now. She already has a small stash of Chase Ultimate Rewards from her Sapphire Preferred, so we decided to build on that foundation rather than start somewhere new.

One big win here: Chase Ultimate Rewards transfer 1:1 to JetBlue — one of her go-to airlines. That's a genuinely useful transfer partner given her flying habits.

💡 Quick tip: The Chase Sapphire Preferred includes a $50 annual hotel credit when you book through the Chase Travel Portal. With a $95 annual fee, that brings your real cost down to $45.

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The New Card Conversation: Freedom Unlimited vs. Freedom Flex

Both are no-annual-fee Chase cards that funnel points into the same Ultimate Rewards bucket — meaning they work with her Sapphire Preferred, not separately from it. You can read about how to combine CUR points here. 

Chase Freedom Unlimited

• 1.5x points on all purchases (better baseline than the Sapphire Preferred)
• 3x on dining and drugstores
• Current offer: 20,000 points after $500 spend 🎉

Chase Freedom Flex

• Rotating 5x quarterly bonus categories (this quarter includes Amazon — easy way to stack up to 7,500 bonus points fast)
• 3x on dining and drugstores
• 1x on everything else
• Current offer: 20,000 points after $500 spend 🎉

Both are worth considering — the right pick depends on whether she prefers a consistent flat rate or wants to actively track and maximize rotating categories.

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Two Free Accounts Worth Opening 🛍️

We also talked about signing up for Rakuten and Bilt:

• Rakuten — shop through their portal and earn cash back or points on purchases you'd make anyway. Use a referral link to get $50 or 2,500 Bilt points after your first $50 purchase.
• Bilt — lets you transfer points to dozens of different airlines and hotels. You can also open a Bilt credit card to earn points on rent payments with no transaction fees, but it's a bit complicated so we decided to table this one for right now. 

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What About the Delta Amex? 🤔

We discussed cancelling it. Here's the logic:

• $150 annual fee
• She rarely uses it
• It's not her oldest card, so the credit score impact would be minimal

Bottom line: keeping a card "just in case" when it costs $150/year and sits in a drawer isn't worth it.

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Where Things Stand

She's in a solid position. By consolidating around Chase Ultimate Rewards, adding a no-annual-fee earning card, and plugging into Rakuten and Bilt, she'll be sitting on a healthy stash of flexible points whenever she's ready to book something. No trip needed yet — just a smart setup so the options are there when she wants them. 🗺️

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Bad News From Bilt and Rakuten

Good News, Bad News: The Rakuten-to-Bilt Points Transfer Just Changed

Let's start with the win. 🎉

On May 15th, my Rakuten points transferred to Bilt — 53,000 of them. I'd spent the past few months deliberately routing my online purchases through Rakuten.com, and the payoff was real.

Quick refresher if you're new to either platform: Rakuten is an online shopping portal that earns you bonus points on purchases you were already planning to make. You can read more about how to use the platform here. Bilt is the newest flexible points currency on the block, with transfer partners spanning dozens of airlines — Air France, KLM, Southwest, Alaska — plus hotel chains like Hyatt, Hilton, and Wyndham. So landing 53,000 transferable points is genuinely meaningful. ✈️🏨

Now the Bad News 😬

On May 16th — one day later — Bilt and Rakuten announced a significant change to the transfer rate. Going forward, $10 in Rakuten cash converts to just 500 Bilt points instead of 1,000. That's a 50% cut overnight.

What does that mean practically? The referral offer I've been sharing — spend $50, earn 5,000 Bilt points — now effectively delivers 2,500 Bilt points. That changes the math on whether points are even the right choice for you anymore.

At this point, taking your Rakuten earnings as straight cash or converting to Amex points may make more sense depending on how you travel. Worth running the numbers before your next transfer. 💸

I did flag that this kind of devaluation was coming. Here it is. The window was good while it lasted — and if you maxed out the points before May 16th, consider yourself lucky. 🍀

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

How You Can Get A "FREE" 500 Delta Miles

If you've followed this blog for a while, you know I'm a big fan of shopping portals. For the uninitiated: a shopping portal is a marketplace featuring thousands of retailers where you earn bonus points or miles just by clicking through before you buy — stacked on top of whatever your credit card already earns you.

Lately, I've been routing most of my purchases through Rakuten, and here's why it's worth your attention. You can link your Rakuten account to your Bilt account to earn flexible Bilt points, which transfer to a solid lineup of airlines and hotels — think Southwest, KLM, Air France, American, United, Hyatt, Hilton, and Wyndham. If you use my referral link, you get $50 or 5,000 Bilt points when you spend $50 in the Rakuten shopping portal. 

That said, most major airlines and many hotel brands run their own portals too. A great free tool to bookmark is cashbackmonitor.com — it shows you which portals are currently offering elevated bonus rates so you can always pick the best option.

A current deal worth knowing about 🗓️

Delta is running a promotion right now: earn a 500-mile bonus when you make $100 in cumulative purchases through its marketplace by May 4th. 

While digging into this, I spotted that AARP was offering 1,100 miles for a new membership — and the membership itself is just $15. I went ahead and signed up since it had been on my to-do list anyway. With $85 more in purchases before May 4th, I'll hit that additional 500-mile bonus too.

Other ways to earn Delta miles ✈️

Delta has a surprisingly wide ecosystem of earning partners beyond the portal:

• Airbnb – book through deltaairbnb.com
• Starbucks – link your accounts
• Uber & Uber Eats – connect your Delta and Uber profiles
• Hertz – earn miles on rental cars

The opportunities add up faster than you might expect. A little intentionality about where you click before you shop or book can translate into thousands of extra miles and points over time — with no change to your actual spending.

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities. 

How To Get Thousands of FREE Airline Miles Without Spending Extra $

I talk about shopping portals all the time because they’re one of the easiest ways to earn airline miles and hotel points on spending you’re already doing. 🛍️✈️

Today I want to show you a few real examples — plus some bonus offers that can help you stack even more points and miles.

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Rakuten is my current favorite shopping portal 💻✨

Rakuten.com has become my go-to for earning extra rewards on everyday purchases.

For example: I buy cat food from Chewy.com every few months. If I take the extra step of starting at Rakuten and then clicking through to Chewy, I’m still shopping at the exact same website — but now I earn:

• 2% cash back from Rakuten

• Plus 1x–2x points from my credit card

Chewy is listed on a bunch of shopping portals, so it’s always smart to check cashbackmonitor.com before you buy. When I checked, most portals were offering 1x points or miles at Chewy… but the Chase Freedom portal was offering 2x. 👀

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The best part: Rakuten can pay out in points 🎯

Rakuten lets you earn rewards as:

• Cash back

• American Express Membership Rewards points

• Bilt points

I linked my Rakuten account to Bilt, so every 4 months my Rakuten rewards automatically transfer into my Bilt account.

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Quick Bilt refresher (because these points are legit)

Bilt points are a newer flexible currency — similar to Chase Ultimate Rewards, Amex, Citi, and Capital One.

You can transfer Bilt points to airline and hotel partners like:

• Southwest

• Alaska

• Iberia

• Virgin

• Flying Blue (Air France/KLM)

• Hyatt

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A huge current Rakuten offer: Kraken 💰

Right now on Rakuten, the crypto platform Kraken is offering:

$150 back on a $225 deposit and purchase

If you’re earning in Bilt points, that’s essentially 15,000 Bilt points (since it transfers 1:1).

To put that into perspective:

• My last flight from San Francisco to Los Angeles cost 4,500 Alaska points

• The one before that cost 2,500 Southwest points

• And yes, I brought a companion along for free 😅

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Want to stack the deal even more? 🔥

If you open a Rakuten account using my referral link, you’ll get an extra 5,000 points after you spend $50.

So if you did the Kraken offer, you’d be looking at 20,000 Bilt points total.

And just to show how real this is: transfer those points to FlyingBlue.com and you can potentially book a one-way economy ticket on Air France from Los Angeles to Athens. Seriously.

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Not into crypto? Totally fair 😄

If crypto isn’t your thing, you can still use the referral offer and earn the bonus on a normal purchase.

I used it once to send flowers to a friend as a thank-you and earned the 5,000 points that way. You could also use it on something basic like… cat food. 🐾

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More bonus offers to earn points on everyday life ✈️🍽️🚗

United + Instacart 🛒

If you link your Instacart account with your United account and make a grocery purchase within 60 days, United will give you:

• 500 miles for free

If you’re a new Instacart customer and make 4 orders in 8 weeks, United will give you:

• 5,000 miles

I just did this and added another stack. I clicked on Rakuten.com which was offering 3x points on Instacart then placed an order with my Capital One Venture X to earn 2x points and 500 bonus United miles. Woohoo! 

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Lyft partnerships 🚙

Link your Hilton, Alaska, Bilt, or United account with Lyft and earn points every time you ride.

Prefer Uber? You can link Uber + United for extra miles too.

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Airbnb miles 🏡

• Book through Delta Airbnb to earn Delta miles

• You can also earn British Airways Avios on Airbnb stays through their earning portal

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Rental car miles 🚗

I’ve linked my Budget Rental account to my Southwest Airlines account — so every rental earns me 500 Southwest miles.

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VRBO + United 🧳

United also has a partnership with VRBO, so you can earn United miles on stays.

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Dining points through IHG + OpenTable 🍷

On the IHG website, you can access OpenTable and earn:

• 150 IHG points every time you dine out

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The takeaway

None of these require extra spending — they just require one extra click or a quick account link. And over time, these little wins can add up to real flights and hotel nights. 😎

There are even more offers like this out there, so check the websites (or social pages) for your favorite brands and see who they partner with for rewards.

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting call, download my ebook, custom tracker or Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process.

Right now, you can use the promo code "FREETRAVEL" to get $50 off the coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities.

Bilt’s Latest Update: What You Actually Need to Do (and Decide) 🧾💳

Bilt’s Latest Update: What You Actually Need to Do (and Decide) 🧾💳

You’ve probably seen the recent updates from Bilt. The era of effortless rent points may be winding down—though there’s still hope it’s not entirely over 🤞.

For now, if you currently have a Bilt credit card, there’s an important action item:

⏰ Choose Your Card by January 29

You must select one of the new card options in the Bilt app or at bilt.com/card.

Each card comes with different benefits and annual fees. If you’re not excited about the paid perks, the simplest move is to choose the free Bilt Blue card.

Why keep Bilt at all?

• Bilt points still transfer to American Airlines, Alaska, United, Southwest, and more ✈️

• Hotel partners include Hyatt, Marriott, and Hilton 🏨

What Happens If You Don’t Choose?

If you take no action, you’ll automatically receive the Wells Fargo Autograph card (no annual fee).

What it offers:

• ❌ Cannot be used to pay rent

• ✅ Earns 3x points on travel, dining, transit, and streaming

• ✅ Transfer points to airlines like Air France/KLM, JetBlue, British Airways, Virgin Atlantic, and Iberia

Quick guidance:

• Want to stay in the Bilt ecosystem or use Bilt’s airline partners? → Choose Bilt Blue

• Prefer Wells Fargo’s airline partners or want something simpler? → Wells Fargo Autograph is fine

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If You Stick With Bilt: How Housing Rewards Will Work 🏠

After some initial confusion, Bilt clarified that you’ll have two reward options for rent or mortgage payments.

Option 1: Points on Housing

• Pay rent or mortgage with no transaction fee

• Earn up to 1.25x points on housing

• Your earn rate depends on how much non-housing spend you put on the card

Option 2: Bilt Cash + Points

• Pay rent or mortgage with no transaction fee

• Earn 4% back in Bilt Cash

• Earn points on everyday spending

• Use Bilt Cash to “buy” points on housing payments

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Important Things to Keep in Mind ⚠️

• You should continue paying rent via ACH, not floating rent on your credit card—no change there

• It’s still unclear whether Bilt Cash → points will be automatic or manual

• When prompted, always choose “no transaction fee”

• Paying a 3% processing fee is almost never worth it

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What This Looks Like in Practice (Examples)

Using an example from NerdWallet:

Example 1: $2,000 Mortgage

• Transaction fee to earn points: $60 (3%)

• If you have $60 in Bilt Cash → you earn 2,000 points

• If you only have $45 in Bilt Cash:

  • You earn points on $1,500

  • To earn the remaining 500 points, you’d need to pay $15 out of pocket

• You cannot use Bilt points to cover transaction fees

All Bilt cards earn 4% back in Bilt Cash on non-housing spend, so earning $60 in Bilt Cash would require about $1,500/month in other purchases—which is exactly the behavior Bilt is encouraging.

Example 2: $5,000 Rent or Mortgage

• Required Bilt Cash: $150

• That could mean $3,750/month in non-housing spending

• Possible? Sure—for some households. Worth it? That depends.

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One Easy Win: Rakuten + Bilt 🛍️✨

If you do any online shopping:

• Sign up for Rakuten

• Link it to your Bilt account

• Earn free Bilt points on purchases you’re already making

Right now:

• Spend $50 → get 5,000 Bilt points

• This partnership may end May 2026, so it’s worth setting up sooner rather than later

Stack, Stack, Stack To Earn The Most Points And Miles

This is the best time of the year to earn so many extra points and miles! The secret is to stack the offers when you are doing your holiday shopping online. A few things to keep in mind, you don't have to use the credit card that matches the shopping portal. For example, you can shop in the Southwest Shopping Portal, but pay with your Capital One credit card to get 2x points. Make sense?

 I'll give you several examples that I've actually done in the past week. 

Example #1 

Southwest Shopping Portal is offering 1,000 extra points if you spend $200 in the portal. That's easy, let's stock up on pet food. 

The Southwest shopping portal is also offering 2 points per $1 spent on purchases at Chewy. Awesome. Then we pay for our purchase with Paypal and our Chase FREEDOM FLEX credit card which nets us 5x points since this card has the 5x bonus rotating categories. 

So this one pet food purchase should earn:

• 1,000 bonus Southwest points 
• 400 Southwest points 
• 1,000 Chase Ultimate Rewards 

Example #2

I was referred to Rakuten.com and bought flowers for a friend through 1-800flowers. I spent $65 on flowers, but got a FREE $50 for following the referral link plus 10% bonus cash back. Then I linked my Bilt account with my Rakuten account. Rakuten transferred more than 5,000 points into my Bilt account. You don't need a Bilt credit card, just create an account. Be sure your email is the same on both accounts. Woohoo! When I'm ready I can transfer the Bilt points to dozens of airlines or hotels like Air France, KLM, Southwest, Hyatt and more. On the first of the month, Bilt offers transfer bonuses too so I may be able to squeeze more value out of those points. 

So this flower purchase earned:

• $50 referral cash 
• 10% cash back 
• 5,500 Bilt points that I can transfer the points to dozens of airlines or hotels

Example #3

I wanted to buy a new Iphone, Capital One Shopping was offering 10% back on Apple purchases and I could pay for the phone with Paypal and my Chase FREEDOM FLEX credit card for 5x Chase Ultimate Rewards points. 

So this phone purchase earned:

• $69.90 Capital One shopping rewards which I can use to buy gift cards for stores like Home Depot, Ulta and REI.  Use this referral link and you get a FREE $40. 
• 3,000 Chase Ultimate Rewards points 

To find these deals, start with cashbackmonitor.com and my new fave Rakuten.com. The $50 referral offer is still active so use my link. 

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting call, download my ebook, custom tracker or Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process.

Right now, you can use the promo code "FREETRAVEL" to get $50 off the coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities. 

Bilt and Rakuten Team Up: More Points For You!

 

Woohoo! Great news from Bilt and Rakuten. Two big announcements: 

1. Bilt is going to make it so you can earn points and miles when you make your mortgage payment. Now that's a game changer. You can read all about how you can currently use Bilt to earn points on your rent payments. But starting in February 2026, Bilt will be offering three new credit cards. These new cards will make it so you can also earn points and miles on your mortgage payment. Since most people earn zero points on this payment now, this is huge. For most of us, it's our biggest purchase of the month. We don't know the details of the new cards yet, but we should hear in January. For existing Bilt credit card holders, Bilt says the change will be seamless. Watch for details in January. 

2. The second big announcement, Bilt is teaming up with the shopping portal, Rakuten. Instead of earning cash back with Rakuten, now you will be able to earn Bilt points specifically 1,000 points for every $10 cash back. Pretty sweet!

You will need to link your two accounts and specify Bilt as your payment preference. Cash back points will deposit quarterly into your Bilt account. The emails on both accounts must match to use this option. 

Two great announcements. If you do not have a Rakuten account yet, you can sign up here. If you use my link, when you spend $50, you will get a $50 bonus or link your Bilt account and that's 5,000 points.

 Yep, that's free money! 

Want more personal help using points and miles for almost FREE travel? Book a 1:1 consulting call, download my ebook, custom tracker or Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process.

Right now, you can use the promo code "FREETRAVEL" to get $50 off the coaching program. I would love to help you make priceless family memories affordable. 

*For every new client, we will donate 10% of the proceeds to one of our favorite charities.