{"id":196974,"date":"2025-10-03T21:00:16","date_gmt":"2025-10-03T21:00:16","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/10\/03\/chases-pay-yourself-back-how-to-maximize-your-cash-back-the-points-guy\/"},"modified":"2025-10-03T21:00:16","modified_gmt":"2025-10-03T21:00:16","slug":"chases-pay-yourself-back-how-to-maximize-your-cash-back-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/10\/03\/chases-pay-yourself-back-how-to-maximize-your-cash-back-the-points-guy\/","title":{"rendered":"Chase’s Pay Yourself Back: How to maximize your cash back – The Points Guy"},"content":{"rendered":"


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If Chase’s Pay Yourself Back hasn’t been on your radar in a while, it may be worth brushing up on it.<\/p>\n

Not only has this potentially lucrative option continued to expand to a broader list of Chase cards, but some redemption rates aren’t to be sneezed at.<\/p>\n

Chase offers its Pay Yourself Back benefit on some cobranded credit cards, including Southwest Airlines cards<\/a>, United Airlines cards<\/a>, the Aeroplan\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>) and the Marriott Bonvoy Bold\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>).<\/p>\n

Many of these current offers are valid now through Dec. 31.<\/p>\n

Here’s everything you need to know about using Chase Pay Yourself Back.<\/p>\n

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What is Chase Pay Yourself Back?<\/h2>\n

In 2020, when most of the world wasn’t traveling, Chase introduced Pay Yourself Back as an ongoing redemption option within its Ultimate Rewards<\/a> program to give cardmembers an alternative to redeeming points for travel. The categories have evolved over time, but the core purpose of the program has remained pretty much unchanged.<\/p>\n

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JLCO-JULIA AMARAL\/GETTY IMAGES<\/figcaption><\/figure>\n

In short, the Pay Yourself Back option allows cardholders of many Chase cards to use points at a redemption value similar to booking travel. This won’t typically give you the same maximum value for your Ultimate Rewards points<\/a> that you can get with strategic use of transfer partners.<\/p>\n

However, it could be a good choice if you’re looking for a simple redemption or have a pile of points that you cannot immediately use.<\/p>\n

With some airline cards now eligible for Pay Yourself Back, the rate at which you can redeem for some categories is over the average return you’ll likely get when using your rewards to book travel.<\/p>\n

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Related: The best Chase credit cards<\/a><\/strong><\/p>\n

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What purchases are eligible for Pay Yourself Back?<\/h2>\n

Here are the current categories eligible for Pay Yourself Back:<\/p>\n

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\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Card<\/strong><\/th>\nRedemption value<\/strong><\/th>\nCurrent end date<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Qualifying charities: 1.5 cents per point<\/p>\n

Department stores, gas stations, groceries, home improvement stores and cardholder annual fee: 1.25 cents per point<\/p>\n<\/td>\n

Dec. 31<\/td>\n<\/tr>\n
Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>)<\/td>\nQualifying charities: 1.25 cents per point<\/p>\n

Cardholder annual fee: 1.1 cents per point<\/p>\n<\/td>\n

Dec. 31<\/td>\n<\/tr>\n
Qualifying charities: 1.25 cents per point<\/td>\nDec. 31<\/td>\n<\/tr>\n
Aeroplan Credit Card<\/a><\/span><\/td>\nTravel purchases (up to 200,000 points or $2,500 annually) and cardholder annual fee (only purchases made at select merchants within 90 days before the redemption request date are eligible): 1.25 cents per point<\/p>\n

Amazon.com purchases (including Whole Foods Market), dining at restaurants, gas stations, grocery stores (excluding Target, Walmart and wholesale clubs), home improvement stores, select department stores and select utilities: 0.8 cents per point<\/p>\n<\/td>\n

Dec. 31 for Amazon, gas, home improvement stores, select department stores and select utilities (dining at restaurants, grocery stores and travel are ongoing categories)<\/td>\n<\/tr>\n
United Airlines personal and business credit cards<\/td>\nCardholder annual fee: 1.35-1.5 cents per mile (based on which card you have)<\/p>\n

United airfare purchases made directly with the airline of at least $50: 1 cent per mile<\/p>\n<\/td>\n

Dec. 31<\/td>\n<\/tr>\n
Southwest Airlines personal and business credit cards<\/td>\nCardholder annual fee within 90 days of transaction date: 1 cent per point<\/td>\nDec. 31<\/td>\n<\/tr>\n
Marriott Bonvoy Bold Credit Card<\/a><\/span><\/td>\nTravel purchases made directly with airlines or Marriott Bonvoy hotels (up to $750 total per year): 1 cent per point<\/td>\nOngoing perk of the card<\/td>\n<\/tr>\n
Disney credit cards<\/td>\nPurchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney store and outlet locations in the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com and Plus.ESPN.com in the past 90 days: 1 Disney Rewards Dollar per dollar<\/p>\n

Those with a Disney\u00ae Premier Visa\u00ae Card<\/a><\/span> (see rates and fees<\/a>) can redeem Disney Rewards Dollars toward airline purchases in the past 90 days with any airline at the rate of 1 Disney Rewards Dollar per dollar<\/p>\n<\/td>\n

Ongoing; no specific end date<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

The information for the J.P. Morgan Reserve, Chase Freedom, Ink Business Preferred and Ink Business Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n

The list of charities for Pay Yourself Back includes:<\/p>\n