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Initially rolled out as a temporary point redemption option during the pandemic, Chase's Pay Yourself Back has stood the test of time and has seemingly become a mainstay tool for those who hold select Chase credit cards.
And now, Chase's Pay Yourself Back categories have been extended across a wide variety of Ultimate Rewards-earning cards, popular Ink business cards, and other co-branded airline credit cards.
Let's take a look at the eligible Pay Yourself Back categories you can enjoy through September 30, 2026.
Chase Pay Yourself Back Eligible Categories
Pay Yourself Back works similarly to redeeming Chase points for cash back, although it has a few key differences. Only purchases in a rotating list of categories or select charities are eligible, and you must manually select the purchases you'd like to reimburse.
Not every card sees the continuous expansion of eligible categories. Still, the redemption option is generally available on all Chase Ultimate Rewards-earning credit cards, including those in the Sapphire, Freedom, and Ink families.
Pay Yourself Back was later added to Southwest Rapid Rewards, Air Canada Aeroplan, United MileagePlus, and now Marriott Bonvoy cards. The mix of eligible Pay Yourself Back categories varies by card.
Typically, you can cash out your Ultimate Rewards points at 1 cent per point. But with Pay Yourself Back, you can enjoy an additional 25%–75% in redemption value.
Chase Sapphire cards
You'll find Pay Yourself Back categories on the Chase Sapphire Preferred® Card (Rates & Fees), the Chase Sapphire Reserve® (Rates & Fees), and the Sapphire Reserve for Business℠ (Rates & Fees). Here are the latest categories for these three cards:
Chase Sapphire Preferred® Card
Welcome Bonus
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Chase Sapphire Preferred® Card
Welcome Bonus
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee:$95
Show moreWhy We Like ItHighlightsEarning RatesOur #1 recommended beginners rewards card featuring a 100,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.
- Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
- Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs
- Member FDIC
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
- Eligible purchases:
- Public transit
- Pet supply stores and veterinary services
- Annual membership fee
- Select charities
- Redeem by: September 30, 2026
- Redemption rates:
- 1.1 cents per point for annual fees, pet supply stores, and veterinary services
- 1.05 cents per point for public transit
- 1.25 cents per point for charities
Chase Sapphire Reserve®
Welcome Bonus
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Chase Sapphire Reserve®
Welcome Bonus
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee:$795
Show moreWhy We Like ItHighlightsEarning RatesChase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 100,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
- Eligible purchases:
- Gas stations
- Public transit
- Annual membership fee
- Select charities
- Redeem by: September 30, 2026
- Redemption rates:
- 1.2 cents per point for gas stations and public transit
- 1.25 cents per point for the card's annual fee
- 1.5 cents per point for charities
Sapphire Reserve for Business℠
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Sapphire Reserve for Business℠
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee:$795
Show moreWhy We Like ItHighlightsEarning RatesChase’s flagship business travel card. Earn 8x on Chase Travel℠ purchases, 4x on flights and hotels booked directly, and 3x on eligible ad spend. Get $300 in travel credit, VIP lounge access, and premium travel protections to elevate every business trip.
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
- 8X points on all Chase Travel℠ purchases
- 5X total points on eligible Lyft rides through 9/30/2027
- 4x points on flights and hotels booked directly
- 3x points on advertising purchases made with social media platforms and search engines
- 1 point per dollar on all other eligible purchases
- Eligible purchases: Select charities
- Redeem by: September 30, 2026
- Redemption rates: 1.25 cents per point for charities
Related: All of the Cards that Earn Chase Ultimate Rewards
Chase Freedom cards
Similar to the Sapphire family of cards, you'll also find the Pay Yourself Back perk on Chase's suite of Freedom cards. This family includes the Chase Freedom Unlimited® (Rates & Fees), Chase Freedom Flex℠, and the Chase Freedom® (not available to new applicants).
Here are the latest eligible Pay Yourself Back categories for the three cards:
- Eligible purchases: Select charities
- Redeem by: September 30, 2026
- Redemption rate: 1.25 cents per point for charities
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Chase Ink business cards
Chase has four Ink business cards, but only the following three are eligible for Pay Yourself Back: the Ink Business Unlimited® Credit Card (Rates & Fees), the Ink Business Cash® Credit Card (Rates & Fees), and the Ink Business Preferred® Credit Card (Rates & Fees).
- Eligible purchases:
- Select charities
- Shipping
- Internet, cable, and phone services
- Redeem by: September 30, 2026
- Redemption rate:
- 1.25 cents per point for charities
- 1.1 cents per point for shipping, internet, cable, and phone services
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
Related: Comparing Chase Ink Business Cards — Which One Is Right for You?
Southwest Rapid Rewards cards
Southwest credit cards continue to offer Pay Yourself Back, although the eligible category is limited compared to some other Chase cards. Cardmembers can redeem Rapid Rewards points to offset the annual fee on their card at a rate of 1 cent per point.
Here are the latest categories for Chase-issued Southwest Rapid Rewards® Plus Credit Card (Rates & Fees), the Southwest Rapid Rewards® Premier Credit Card, the Southwest Rapid Rewards® Priority Credit Card (Rates & Fees), the Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), and the Southwest® Rapid Rewards® Premier Business Credit Card (Rates & Fees):
- Eligible purchases: Annual membership fee
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
Redemption requests must be made within 90 days of making a qualifying purchase.
- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 3,000 anniversary points each year.
- Earn 2 points per $1 spent on Southwest Airlines® purchases
- Earn 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- Cardmembers and up to 8 additional passengers in the same reservation can check their first bag at no additional cost.
- Select a Standard seat within 48 hours prior to departure, when available.
- Earn 1 point for every $1 spent on all other purchases.
- No foreign transaction fees.
- Member FDIC
- 2X points per $1 spent on Southwest® purchases
- 2 points for every $1 you spend at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year
- 1X point per $1 spent on all other purchases
Related: How to Choose the Right Southwest Airlines Credit Card
Air Canada Aeroplan credit card
If you hold the Aeroplan® Credit Card (Rates & Fees), you can redeem your Aeroplan points for 1.25 cents apiece against travel purchases and to offset the card's $95 annual fee — or 0.8 cents towards a few different kinds of purchases. Here are the latest categories for this card:
- Eligible purchases:
- Travel (1.25¢ per point)
- Cardholder annual fee (1.25¢ per point)
- Dining (0.8¢ per point)
- Grocery stores — excludes Target and Walmart (0.8¢ per point)
- Gas stations (0.8¢ per point)
- Redeem by: December 31, 2026 for travel category. No end date listed for other categories.
- Redemption rates: up to 1.25 cents per point
Aeroplan Card cardholders are limited to redeeming 200,000 Aeroplan points per year for travel purchases. While it's a bummer to have a limit, that's enough to cover $2,500 worth of travel — which should be more than enough for most cardholders.
- Earn 60,000 bonus points
- Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Member FDIC
- 3x points directly with Air Canada
- 3x points on dining, including takeout and eligible delivery services
- 3x points at grocery stores
- 1x point on all other purchases
Related: Aeroplan Card Full Review
United MileagePlus credit cards
Depending on the United Airlines credit card in your wallet, you'll redeem each MileagePlus mile at 1.35 to 1.50 cents apiece toward annual fee statement credits, depending on your card. You can also redeem miles at 1 cent per mile toward eligible United airfare purchases made directly through United.
- Eligible purchases:
- United airfare purchased on United.com or in the United mobile app
- Annual membership fees
- Redeem by: No end date listed
- Only purchases of $50 or more qualify for United airfare redemptions
- Redemption rates:
- 1.35–1.50 cents per mile toward annual fee statement credits (varies by card)
- 1 cent per mile toward eligible United airfare purchases
Flights purchased through any other source, such as United General Reservations, United Vacations, travel agencies, or other travel websites, are not eligible for Pay Yourself Back.
- Earn up to 60,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases.
- 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
- Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, priority boarding on United® flights.
- 2 United Club one-time passes per year - over a $100 value
- Over $500 in partner credits each year
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
- 3X miles per $1 spent on purchases from United®*
- 2X miles per $1 spent on dining and hotel stays when booked with the hotel
- 1X mile per $1 spent on all other purchases
Related: Which United Card Is Right for You?
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card (Rates & Fees) cardholders can redeem Marriott Bonvoy points for up to $750 in airline and Marriott hotel charges.
- Eligible purchases: Airlines and Marriott hotel purchases
- Redeem by: No end date listed
- Redemption rates: 0.8 cents per point
In recent AwardWallet user redemptions, Marriott Bonvoy points have yielded an average of 0.94¢ per point. So, the lower 0.8¢ Pay Yourself Back redemption rate isn't very lucrative. But if you're struggling to find high-value Marriott redemptions, this could be a way of getting at least that much value from your points.
- Earn 60,000 Bonus Points after qualifying purchases.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
- Member FDIC
- 3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
- 1X point on all other purchases
Disney credit cards
When redeemed through Pay Yourself Back, one Disney Rewards Dollar equals $1 when redeemed toward a statement credit. All three Chase Disney credit cards are eligible, although the categories vary slightly depending on the card.
Here are the Pay Yourself Back categories for the Disney® Inspire Visa® Card:
- Eligible purchases:
- Purchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney Store locations in the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com, and Stream.ESPN.com, plus airline purchases made directly with the airline.
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
Here are the Pay Yourself Back categories for the Disney® Premier Visa® Card:
- Eligible purchases:
- Purchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney Store locations in the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com, and Stream.ESPN.com, plus airline purchases made directly with the airline.
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
And the eligible categories for the Disney® Visa® Card:
- Eligible purchases:
- Purchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney Store locations in the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com, and Stream.ESPN.com
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
Full or Partial Redemptions
You can redeem points for up to 90 days after purchase via the Chase website or Chase app and redeem your points for the entire transaction. Say, for example, that you make a $125 grocery store purchase using a Sapphire Reserve. It would cost you 10,000 Ultimate Rewards points to Pay Yourself Back for that purchase.
You're not out of luck if you don't have enough points to cover the entire purchase. If you can only spare 5,000 points, you can Pay Yourself Back $62.50 from that grocery store purchase. Flexibility means you have options when it comes to how many points you want to redeem for cash back.
Donations to Eligible Charities
A handful of cards feature select charities as eligible Pay Yourself Back categories. Here's the complete list of charities you can donate to and earn cash back in the process:
Alzheimer’s Association, American Heart Association, American Red Cross, Equal Justice Initiative, Feeding America, GLSEN, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, Make-A-Wish America, NAACP Legal Defense and Education Fund, National Urban League, Out and Equal Workplace Advocates, SAGE, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way and World Central Kitchen
How to Use Chase Pay Yourself Back
First, log on to the Ultimate Rewards website and choose the card you used to make an eligible purchase. Then, click on the arrow next to your points balance, then select “Pay Yourself Back.” Alternatively, try clicking this link.
You’ll see a list of all of the eligible purchases if you've made any. Additionally, note how transactions are ordered based on how many days are left before each transaction is no longer available for Pay Yourself Back.
From there, select a purchase you want to apply your points to. Once you select a transaction, you’re given the option to enter a dollar amount that you want to get back, and you’ll then see the corresponding number of points required. You can also choose to pay yourself back for the entire purchase.
Click confirm, and then you’re done. Congratulations! You just paid yourself back!
Co-branded cards
Redeeming points or miles on the co-branded cards is possible through the card's Rewards Dashboard, as follows:
- Sign in to your account.
- Click on “More” in the top right corner of the card's account.
- Select “Rewards dashboard” from the menu.
From here, choose the Pay Yourself Back option that correlates with the mileage currency on your co-branded card: MileagePlus miles, Aeroplan points, or Rapid Rewards.
And like the Sapphire, Ink, and Freedom cards, you'll follow near-identical steps to complete your point redemption.
Bottom Line
Chase's Pay Yourself Back has become a staple feature for select Chase cardholders, offering the ability to redeem points for purchases in eligible categories that rotate nearly every quarter.
While you'll generally get the most value from transferring your Ultimate Rewards to a travel partner — and redeeming those miles for premium travel — there's nothing wrong with putting a little bit of cash back in your wallet.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Southwest Rapid Rewards® Plus Credit Card (Rates & Fees), Southwest Rapid Rewards® Priority Credit Card (Rates & Fees), Southwest® Rapid Rewards® Performance Business Credit Card (Rates & Fees), Southwest® Rapid Rewards® Premier Business Credit Card (Rates & Fees), Aeroplan® Credit Card (Rates & Fees), United℠ Explorer Card (Rates & Fees), and Marriott Bonvoy Bold® Credit Card (Rates & Fees)
