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Originally 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 June 30, 2025.
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Chase Pay Yourself Back Eligible Categories
Pay Yourself Back works similarly to how you redeem Chase points for cash back, though it has a few key differences. Only purchases in a rotating list of categories or select charities are eligible, and you'll have to select the purchases you'd like to reimburse manually.
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 Rapids 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 both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. Here are the latest categories for these two cards:
Sapphire Reserve
- Eligible purchases:
- Gas stations
- Groceries
- Pet supply stores
- Veterinary services
- Annual membership fee
- Select charities
- Redeem by: June 30, 2025
- Redemption rates: 1.25 cents per point for gas stations, groceries, pet supply stores, veterinary services, and the card's annual fee; 1.5 cents per point for donations to select charities
Sapphire Preferred
- Eligible purchases: Select charities
- Redeem by: June 30, 2025
- Redemption rates: 1.25 cents per point
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®, Chase Freedom Flex℠, and the Chase Freedom® (not available to new applicants).
Here are the Pay Yourself Back categories for the three cards:
- Eligible purchases: Select charities
- Redeem by: June 30, 2025
- Redemption rate: 1.25 cents per point
Chase Ink business cards
Chase has four Ink business cards: the Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, Ink Business Preferred® Credit Card, and the Ink Business Premier® Credit Card. All but the Ink Premier are currently eligible for Pay Yourself Back and share the same eligible category: select charities.
- Eligible purchases: Select charities
- Redeem by: June 30, 2025
- Redemption rate: 1.25 cents per point
Related: Comparing Chase Ink Business Cards — Which One Is Right for You?
Southwest Rapids Rewards cards
Southwest credit cards are a more-recent addition to the Pay Yourself Back program. For the past few quarters, Chase offered a subpar 0.8 cents per point redemption rate for select categories such as home improvement stores (personal cards) and internet, cable, and phone services (business cards).
However, this quarter, Chase eliminated all other categories besides one: Offsetting the annual fee on your card. Southwest cardholders will get precisely 1 cent per Rapid Rewards point towards offsetting that card's annual fee. That means using 1,000 Rapid Rewards points to pay yourself back will net a $10 statement credit.
Here are the latest categories for Chase-issued Southwest Rapid Rewards® Plus Credit Card, the Southwest Rapid Rewards® Premier Credit Card, the Southwest Rapid Rewards® Priority Credit Card, the Southwest® Rapid Rewards® Performance Business Credit Card, and the Southwest® Rapid Rewards® Premier Business Credit Card:
- Eligible purchases: Annual membership fee
- Redeem by: June 30, 2025
- Redemption rates: 1 cent per point
Redemption requests must be made within 90 days of making a qualifying purchase.
Related: How to choose the right Southwest Airlines credit card
Aeroplan credit card
If you hold the Aeroplan® Credit Card, you can redeem your Aeroplan points for 1.25 cents apiece against travel purchases and to offset the card's $95 annual fee. Here are the latest categories for this card:
- Redeem by: December 31, 2025
- Redemption rates: 1.25 cents per point
- Eligible purchases: Travel and cardholder annual fee
Starting in 2025, Aeroplan Card cardholders are limited to redeeming 200,000 Aeroplan points per year for travel purchases. While it's a bummer to have a new limit, that's enough to cover $2,500 worth of travel — which should be more than enough for most cardholders.
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 1.5 to 1.75 cents apiece towards United airfare purchases. Let's take a look at the Pay Yourself Back redemption rates for each United credit card:
- Eligible purchases: Airfare tickets purchased through United
- Redeem by: December 31, 2025
- Starting April 1, 2025, only purchases of $50 or more will be eligible for Pay Yourself Back
- Redemption rates for the annual fee:
- 1.5 cents per mile
- The New United℠ Business Card
- United Club℠ Business Card
- United MileagePlus® Awards Card (not open to new applicants)
- United MileagePlus® Select Card (not open to new applicants)
- United℠ Presidential Plus℠ Card (not open to new applicants)
- United℠ Presidential Plus℠ Business Card (not open to new applicants)
- 1.52 cents per mile
- 1.6 cents per mile
- 1.75 cents per mile
- 1.5 cents per mile
Related: Which United Card Is Right for You?
Marriott Bonvoy Bold® Credit Card
The newest addition to Chase Pay Yourself Back is the Marriott Bonvoy Bold® Credit Card. Cardholders can now redeem Marriott Bonvoy points for up to $750 in airline and Marriott hotel charges.
- Redeem by: June 30, 2025
- Redemption rates: 0.8 cents per point
- Eligible purchases: Airlines and Marriott hotel purchases
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 Bonvoy points.
Related: 15 Best-Value Marriott Bonvoy Redemptions for Luxury Stays
Disney credit cards
When redeemed through Pay Yourself Back, one Disney Rewards Dollar equals $1 when redeemed toward a statement credit. This goes for both Disney cards. However, while mostly similar, eligible categories differ by card.
Here are the Pay Yourself Back categories for the Disney® Visa® Card:
- Redeem by: No end date.
- Redemption rates: 1 cent per point.
- Eligible purchases: Purchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney store and outlet locations in the U.S., shopDisney.com, DisneyPlus.com, Hulu.com, and ESPNPlus.com, within 90 days from the purchase date.
And the eligible categories for the Disney® Premier Visa® Card:
- Redeem by: No end date.
- Redemption rates: 1 cent per point.
- Eligible purchases: Purchases made at select U.S. Disney locations in Disney Parks and Resorts, Disney store and outlet locations in the U.S., shopDisney.com, DisneyPlus.com, Hulu.com and ESPNPlus.com, and airline purchases, excluding purchases made with third-party providers and travel agencies, within 90 days from the purchase date.
You might have read on other sites that eligible categories include the Disney Premier Visa‘s annual fee. A spokesperson for Chase has confirmed that the annual fee is not an eligible Pay Yourself Back category.
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:
- 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 & Equal Workplace Advocates
- SAGE
- Thurgood Marshall College Fund
- United Negro College Fund
- UNICEF USA*
- United Way
- World Central Kitchen*
*Includes support for relief efforts in Ukraine.
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 also can 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 into your account.
- Click on “More” on 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.
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