Chase Cardholders: Score 10–15% Off Home Depot, Lowe’s & DoorDash Gift Cards Right Now
If you’ve been sitting on a pile of Chase Ultimate Rewards points and haven’t found a great way to use them, this is worth a look. Chase is currently offering 10–15% discounts on select gift card redemptions through the Ultimate Rewards portal — and the lineup of brands is surprisingly practical for spring spending.
What’s the Deal?
When you log into your Chase Ultimate Rewards account and head to the gift card section, you’ll find discounted redemption rates on brands including:
- Home Depot
- Lowe’s
- DoorDash
- Uber
- Wayfair
- Google Play
- PetSmart
- One4All (a multi-store gift card usable at hundreds of retailers)
Instead of redeeming at face value, your points stretch 10–15% further on these specific cards — meaning a $50 gift card costs you less in points than it normally would.
Why This Is Actually a Big Deal
Typically, redeeming Chase points directly for gift cards is just okay — you get about 1 cent per point, which isn’t the best use. But a 10–15% discount changes the math. For cardholders who don’t have upcoming travel to maximize through transfer partners, this is one of the strongest non-travel redemptions Chase has offered.
And the timing couldn’t be better: it’s peak lawn-and-garden season. A discounted Home Depot or Lowe’s gift card is practically free money if you’re already planning a mulching project, fence repair, or patio upgrade this spring.
Who Should Jump on This
Southern homeowners with a spring project list are the obvious winners here. Home Depot and Lowe’s gift cards at 10–15% off effectively make your next lumber, soil, or tool run cheaper — no coupons, no sale-hunting required.
Families who order delivery regularly will also love the DoorDash and Uber discounts. If you spend $100/month on delivery apps, loading up discounted gift cards now pays off immediately.
Pet owners can stock up on PetSmart cards ahead of summer — heartworm prevention, flea treatments, and summer boarding costs add up fast.
The One4All card is especially useful if you’re not sure where you’ll spend it — it works at a wide network of retailers, so it functions almost like discounted cash.
One Caveat to Keep in Mind
This offer is only available to existing Chase Ultimate Rewards cardholders — you’ll need a card that earns UR points, like the Chase Sapphire Preferred, Sapphire Reserve, Freedom Flex, or Ink Business cards. If you don’t have one yet, this is a solid reason to consider applying, especially since signup bonuses on those cards can be substantial. [AFFILIATE:chase_sapphire_preferred]
Also worth noting: the Doctor of Credit post reporting this deal does not list a specific expiration date, so treat this as a limited-time promotion and act sooner rather than later. Discounted gift card promos like this typically run a few weeks at most.
How to Redeem
- Log into chase.com and navigate to your Ultimate Rewards portal
- Click “Use points” → “Gift cards”
- Look for the discounted cards — they’ll show the reduced point cost
- Select your amount and confirm
You’ll receive the gift card digitally, usually within a few minutes.
Bottom Line
If you’re a Chase cardholder with points to burn — especially heading into a home improvement or outdoor project season — this is one of the better redemption windows you’ll see outside of travel. Load up on Home Depot or Lowe’s cards now and let your spring projects pay for themselves (in points, at least).