Chase quietly rolled out a 10X bonus on Sapphire Reserve, Sapphire Preferred, Freedom, Freedom Unlimited, and Freedom Flex when you check out with Paze at participating merchants. The $1,500/month cap and December 2026 deadline make this one of the highest-earning limited promos Chase has run.
TL;DR: what this promotion actually is:
- Bonus: 10 additional Ultimate Rewards points per $1 on top of your card's normal earn rate
- Eligible cards: Sapphire Reserve, Sapphire Preferred, Freedom, Freedom Unlimited, Freedom Flex
- Monthly cap: $1,500 in purchases (up to 15,000 bonus points/month)
- Timeline: May 1, 2026 through December 31, 2026
- Merchants: United Airlines, Newegg, ShopRite (online), Dunkin', Domino's, Sephora, and growing
- 8-month total potential: 120,000 bonus points ($1,200–$2,400 in value depending on your card)
The math: A Freedom cardholder maxing the $1,500/month cap earns 15,000 bonus points/month on top of base rewards. Over 8 months, that's 120,000 extra points, worth $1,200 as straight cash back or $1,800+ if you transfer to a Sapphire card and redeem through Chase Travel or airline partners.
Chase added a new bonus category to five of its consumer cards, and you won't find it on any product page. The 10X Paze bonus showed up quietly in the Benefits tab. No email blast, no landing page update. You earn 10 additional Ultimate Rewards points per dollar when you check out with Paze at participating online merchants, on top of whatever the card already earns.
That means a minimum of 11 points per dollar on every Paze purchase. On the right card-and-merchant combo, you're looking at 13X or even 15X.
Paze is a digital wallet built by Early Warning Services (the same company behind Zelle). You store your card details in Paze, then use it as a checkout option at participating online merchants. The merchant never sees your actual card number.
It launched in 2025 and is still small compared to PayPal or Apple Pay. This 10X promo is Chase's push to get cardholders using it.
| Card | Annual fee | Base earn (general) | With Paze bonus |
|---|---|---|---|
| Chase Sapphire Reserve | $795 | 1X | 11X minimum |
| Chase Sapphire Preferred | $95 | 1X | 11X minimum |
| Chase Freedom Flex | $0 | 1X (1% cash back) | 11X minimum |
| Chase Freedom Unlimited | $0 | 1.5X | 11.5X minimum |
| Chase Freedom | $0 | 1X | 11X minimum |
The original Chase Freedom (discontinued for new apps but still active for existing holders) is also eligible.
Not eligible: Chase Ink business cards, Private Bank products, authorized user accounts, or anyone under 18.
The 10X Paze bonus stacks on top of whatever category bonus your card already earns. That's where it gets interesting:
| Card + merchant combo | Base earn | Paze bonus | Total per $1 |
|---|---|---|---|
| Any eligible card at a general merchant | 1X | 10X | 11X |
| Freedom Unlimited at any Paze merchant | 1.5X | 10X | 11.5X |
| Sapphire Preferred at ShopRite (online grocery = 3X) | 3X | 10X | 13X |
| Sapphire Reserve at Dunkin' or Domino's (dining = 3X) | 3X | 10X | 13X |
| Freedom Flex during a 5X quarterly category overlap | 5X | 10X | 15X |
That last scenario (15X) would require a Paze merchant to fall inside a Freedom quarterly bonus category. Keep an eye on Q3 and Q4 2026 categories when they're announced.
The merchant list is still short, but the names that are there are practical:
The full and growing list is at paze.com/merchant-directory. Chase says more merchants are being added.
If you max the $1,500/month cap every month from May through December 2026:
| Metric | Value |
|---|---|
| Monthly Paze bonus points | 15,000 |
| Months remaining (May–Dec) | 8 |
| Total bonus points | 120,000 |
| Value as cash back (1¢/point) | $1,200 |
| Value via Sapphire Preferred travel portal (1.25¢/point) | $1,500 |
| Value via Sapphire Reserve travel portal (1.5¢/point) | $1,800 |
| Value via transfer partners (est. 2¢/point) | $2,400 |
That's on top of base card earnings. A Freedom Unlimited holder maxing Paze also earns 1.5X base on the same $12,000 in spend — another 18,000 points ($180). Grand total: 138,000 points.
For context, this monthly cap ($1,500/month at 10X) is six times more generous than the Freedom quarterly categories ($1,500/quarter at 5X).
You need to be an existing Chase consumer customer with a digital profile (meaning you've signed into Chase Online or the mobile app before). If you recently opened the card, you should be automatically enrolled.
When you're on a participating merchant's website:
No separate app download needed. Paze works through the existing Chase checkout integration.
Standard Chase exclusions apply. These purchases won't earn the 10X Paze bonus even if routed through Paze:
Chase says to allow up to 8 weeks after a purchase posts to your account for the bonus points to appear. Don't panic if you don't see them immediately — this is slower than standard category bonuses.
Max it if you: already shop at ShopRite, fly United, or buy from Newegg regularly. You're spending that money anyway. Routing it through Paze is free points. A household spending $300/month on ShopRite groceries alone earns 3,000 bonus points/month ($30–$60 in value) for zero extra effort.
Watch it if you: don't shop at any current Paze merchants. The list is growing, but if none of the current merchants match your spending, check back monthly as new merchants join.
Pair it with: a Sapphire card for maximum redemption value. Freedom cardholders earning 120,000 bonus points can transfer those to a Sapphire Reserve and redeem at 1.5¢/point through Chase Travel, turning $1,200 in cash-back value into $1,800 in travel value.
No. The Paze bonus has its own separate $1,500/month cap. If a merchant happens to fall in a quarterly category, you'd earn both the 5X quarterly bonus (under its own $1,500/quarter cap) and the 10X Paze bonus (under the $1,500/month Paze cap).
No. Only consumer Sapphire and Freedom cards are eligible. Business cards, including all Ink products, are excluded.
Chase's terms mention it applies to cardmembers who received marketing communications, suggesting it may be targeted. However, most reports indicate broad availability — check your Benefits tab to confirm.
No. The Paze 10X bonus is only for the primary cardholder.
No. Paze is an online checkout system. Only online purchases at participating merchants through the Paze checkout flow qualify.
Sources verified 2026-05-15: Chase account Benefits tab (offer terms, eligible cards, monthly cap, merchant list, December 31 2026 expiration); paze.com (merchant directory, how Paze works).
Research lead: Ben Hedges / Credit Shifu on YouTube — note: the video's auto-captions render "Paze" as "Pays" throughout.