You cannot use the coupon online. In the terms of the UR mall it says you can't use coupons or promotional codes not listed on their website. Do you have the chase freedom card? You can go into a gas station that sells gift cards and find lowes gift cards, or home improvement cards (which can be used at lowes or home depot). That's really the only other option to get the most points besides going through the UR mall, but using a lowes card to get 5% off your purchase. Never tried that though.
Please note these terms & conditions: Special increased earnings now through 7/31/2012! Not eligible on gift cards, gift certificates or any other similar cash equivalents. Not eligible using promo codes that aren't listed on this site.
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