OK so grab your coffee or your wine, I’m not judging. Because I want to tell you about something Chase just dropped that most cardholders have completely missed. No big announcement. No email. It just quietly appeared.
If you have a Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom (no longer open to new applications), Chase Freedom Unlimited, or Chase Freedom Flex card, there is a new way to earn a lot more points on purchases you were probably already going to make.
And if you stack it right especially before May 31st, we’re talking 20+ points per dollar at certain merchants from cards you already have.
Let me explain what’s going on, and I promise I’ll keep this simple.
First, What Is Paze? (Don’t Skip This Part)
Paze is basically a digital wallet for online shopping. Think of it like PayPal or Apple Pay, except it’s built by the big banks. It is the same group that made Zelle.
Here’s why that matters for you: if your personal card is already connected to your bank (for example Chase in this case), you don’t need to sign up for anything new. Paze just uses what’s already there. When you’re checking out online, you look for Paze as a payment option, choose it, and your card charges as normal.
So What Has Chase Actually Added?
Starting May 1, 2026 and running through December 31, 2026, Chase is giving eligible cardholders who hold Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Freedom Unlimited, or Chase Freedom Flex card, an extra 10 points per dollar when you pay with Paze at participating merchants. It is on top of what your card already earns.
So if your card normally earns 1x on a purchase, you’re now looking at 11x. If it’s a category your card already earns more on like travel on Chase Sapphire Preferred, Chase Sapphire Reserve, you stack on top of that too.
The cap is $1,500 in purchases per month, which means up to 15,000 bonus points every single month through the end of the year.
To check if your card has this: open your Chase app (both desktop and mobile versions work), go to your card account, tap Card Benefits, and look for the Paze offer under Boost your points heading. It’ll show you the current merchant list for your specific card. (My own experience only works on personal cards, and add through Chase personal account.)
Photo Credit: Chase
How To Activate Paze on Chase?
Activate Paze using the Chase Mobile app or on your first purchase with a participating online merchant (you only have to do this once.)
- Sign in to the Chase Mobile app.
- Select one of your credit or debit card accounts.
- Go to “Manage Account” and choose “Digital Wallets.”
- Select “Activate Paze.”
Where Can You Actually Use Paze?
The full list lives at paze.com/merchant-directory and it’s growing. But right now, some of the more useful ones for families:
- United Airlines
- StubHub : I’m going to talk about this one because it’s the most interesting (keep reading!)
- Newegg : worth knowing because they sell gift cards for a ton of other retailers
- Sephora
- Dunkin’
- Domino’s
- Whataburger
- ShopRite online
One thing I want you to know: Paze doesn’t always show up until you’re actually on the payment screen. So even if a merchant isn’t on the official list, it’s worth checking at checkout. StubHub is a great example (keep reading below!) It has Paze as a checkout option even though it’s not officially listed in the directory.
Now Here’s Where It Gets Really Good: Stacking With Rove Miles
Rove Miles is a flexible points program. Think of it like a shopping portal that also lets you transfer your points to airlines and hotels. They’re currently running a promotion called “It Pays to Chase More Rove Miles” with extra earning at certain merchants, running through May 31, 2026.
Some of those merchants on Rove overlap with the Paze list. Which means you can earn both at the same time.
The best example right now is StubHub. StubHub is a global online marketplace that allows fans to buy tickets for live events like concerts, sports, and theater.
Photo Credit: Stubhub
Rove is offering 9x at StubHub this month. So here’s what happens if you click through Rove to StubHub, then pay with your Chase card using Paze:
- 9x from Rove
- 10x bonus from Chase Paze
- 1x–1.5x base earning from your card
That’s over 20 transferable points per dollar. And these are real points that can be moved to airlines. Rove miles are neither cashbackt nor gift cards. Points that can fly your family somewhere.
Sign up Rove here and earn 500 miles by completing the registration.
And If You Have the Sapphire Reserve, There’s a Third Layer
The Sapphire Reserve has a $150 StubHub credit that refreshes every six months. January through June is the first window.
If you haven’t used yours yet like me, here’s what a single StubHub transaction looks like right now when you put all three pieces together:
- Click through Rove to StubHub → you earn the 9x Rove portal bonus
- Pay with Paze using your Sapphire Reserve → you earn the 10x Chase bonus
- Your $150 StubHub credit applies automatically → you get the $150 back
So on $150 spent at StubHub, you’d earn around 1,500 bonus Chase points plus roughly 1,350 Rove points. And you’d spend nothing, because the credit covers it.
That’s the triple-dip. It’s not magic. It’s just three things happening at once that most people don’t realize they can combine.
Quick note on timing: the Rove promotion ends May 31st. The Chase Paze offer runs through December 31, 2026. So if you want all three layers at StubHub, this week is your window.
Don’t Have Chase Sapphire Reserve Yet? Here’s the Honest Take.
The Chase Sapphire Reserve is currently sitting at a limited-time150,000-point welcome bonus after $6,000 in spending in the first three months.I know the annual fee is $795. I’m not going to sugarcoat that number, because it’s real. But let me give you the actual math (, and I have just been approved for this too!)
150,000 Ultimate Rewards points transferred to the right airline partner can easily cover business class flights worth $2,000, $3,000, or more for your family. The welcome bonus alone covers the first year’s fee several times over.
And the card comes with a stack of credits that chip away at the ongoing cost if you actually use them:
• Up to $300 back per year on travel
• Up to $300 back per year at Sapphire Reserve Exclusive Tables
• Up to $500 back per year on luxury hotel bookings through The Edit by Chase Travel
• $150 StubHub credit every six months
The card also earns up to 8x on travel, which pairs really nicely with the Paze offer for stacking on certain purchases.
You qualify for this bonus as long as you’ve never held the Chase Sapphire Reserve before.
My honest take: year one is strong for most families who qualify. After that, it comes down to how much of the credit stack you actually use. Some families find it’s worth keeping every year. Others use the welcome bonus and downgrade. Both are completely valid moves.
The Quick Recap (If You’re Reading This at 9PM)
- Chase added 10x Paze bonus for Sapphire and Freedom cardholders through December 2026, capped at $1,500/month
- Use it at United, StubHub, Newegg, Sephora, and more. Check paze.com/merchant-directory
- Stack it with Rove Miles before May 31st for 20+ points per dollar at StubHub
- Sapphire Reserve holders: use your $150 StubHub credit before June 30th and you’ve got the triple-dip
- The Sapphire Reserve has a 150K welcome bonus right now. Strong first year if you’ve never held it
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