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Tag: Chase Pay Yourself Back

  • Full Details of Chase Pay Yourself Back Categories Through 12/31

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    Chase Pay Yourself Back Extended

    Redeem Points with Chase Pay Yourself Back

    Select Chase credit cards have a Pay Yourself Back (PYB) feature which gives you another option for redeeming points. While this feature has been devalued in recent years, it still lives on and it’s often useful for Chase Sapphire Reserve and Chase Aeroplan cardmembers. So let’s go over the everything you need to know about Chase Pay Yourself Back.

    What is Chase Pay Yourself Back

    Chase Pay Yourself Back is a redemption feature that lets eligible Chase cardholders use their points for statement credits on select purchases. It allows cardholders to get extra value from their points with the exact redemption rate depending on the card you have and the category of your purchase. Redemptions options usually also include the annual fee and charities.

    It’s important to note that not every purchase will qualify, and Chase regularly updates which categories are eligible for Pay Yourself Back, giving cardholders new opportunities to maximize their points throughout the year.

    Eligible Cards and Categories

    Here’s the list of all the Chase credit cards that offer the Pay Yourself Back feature. You can also find the eligible categories for each card, with the redemptions value in cents per point (cpp) and the expiration date.

    Chase Credit Card PYB Categories Point Value Exp. Date
    Sapphire Reserve Gas stations
    Grocery stores
    Department stores
    Annual membership fees
    Select charities    		 1.25 cpp
    1.25 cpp
    1.25 cpp
    1.25 cpp
    1.50 cpp    		 12/31/25
    12/31/25
    12/31/25
    12/31/25
    12/30/25
    Sapphire Preferred Annual membership fees
    Select charities    		 12/31/25
    12/31/25
    Freedom Unlimited
    Freedom Flex
    Freedom Rise    		 Select charities 1.25 cpp 12/31/25
    Sapphire Reserve for Business
    Ink Business Preferred
    Ink Business Unlimited
    Ink Business Cash
    Ink Business Premier    		 Select charities 1.25 cpp 12/31/25
    Aeroplan Card Travel purchases
    Annual fee
    Grocery stores
    Home improvement stores
    Gas stations
    Select department stores
    Select utilities
    Amazon
    Whole Foods    		 1.25 cpp
    1.25 cpp
    0.80 cpp
    0.80 cpp
    0.80 cpp
    0.80 cpp
    0.80 cpp
    0.80 cpp
    0.80 cpp    		 none
    none
    12/31/25
    12/31/25
    12/31/25
    12/31/25
    12/31/25
    12/31/25
    12/31/25
    Marriott Bonvoy Bold Travel purchases none
    Southwest Priority 
    Southwest Premier
    Southwest Plus     		 Annual fee 12/31/25
    Southwest Performance Business Annual fee 1.00 cpp 12/31/25
    United Explorer 
    United Quest 
    United Club Card    		 Annual fee
    United airfare    		 none
    none

    What Charities Are Eligible for Pay Yourself Back?

    This is the current list of charities that are eligible for Pay Yourself Back:

    • American Red Cross.
    • Equal Justice Initiative.
    • Feeding America.
    • GLSEN.
    • Habitat for Humanity.
    • International Medical Corps.
    • International Rescue Committee.
    • Leadership Conference Education Fund.
    • NAACP Legal Defense and Education Fund.
    • National Urban League.
    • Out & Equal Workplace Advocates.
    • SAGE.
    • Thurgood Marshall College Fund.
    • United Negro College Fund.
    • UNICEF USA.
    • United Way.
    • World Central Kitchen.

    How to Redeem Points with Pay Yourself Back

    To redeem points through Chase Pay Yourself Back, you first need to log in to an eligible credit card card account and navigate to the rewards section.

    It’s important to not that if you have multiple Chase cards in the same login, you will need to select the eligible card for this feature to appear. If you have multiple eligible cards, you still need to select a specific card since Pay Yourself Back is directly tied to the charges on the card. So if you want to redeem for gas purchases with your Chase Sapphire Reserve for example, select that card.

    You then need to find the Pay Yourself Back page, or navigate to it directly by following this link. Here you will see a lists all purchases that are eligible for Pay Yourself Back. Underneath each purchase dollar amount, Chase will show you how many points are required to cover that specific purchase. Chase will round down the amount of points needed for a purchase (yay!).

    You can choose to Apply Max Value so you fully cover a purchase with points, or you do a partial redemption. Just keep in mind that if you do a partial redemption for a purchase, that purchase becomes ineligible for another PYB. 

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