AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
Offers for the Marriott Bonvoy Bold® Credit Card, Chase Freedom®, Disney® Visa® Card, Disney® Premier Visa® Card, Chase Freedom Flex℠, United MileagePlus® Awards Card, Southwest Rapid Rewards® Premier Credit Card, United Club℠ Business Card, United℠ Presidential Plus℠ Card, United℠ Presidential Plus℠ Business Card and United MileagePlus® Select Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
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, 2025.
Page Contents
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 both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®. Here are the latest categories for these two cards:
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Annual Fee$795
Welcome Bonus
Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
Chase'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 + $500 Chase Travel℠ promo credit bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 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 Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 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 + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 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 Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 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:
- Grocery stores (excluding Walmart & Target)
- Gas stations
- Home improvement stores
- Annual membership fee
- Select charities
- Redeem by: September 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
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Our #1 recommended beginners rewards card featuring a 75,000-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 75,000 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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- 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.
- Member FDIC
- Rates & Fees
- 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 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 75,000 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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- 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.
- Member FDIC
- Rates & Fees
- 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 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:
- Select charities
- Annual membership fee
- Redeem by: No end date listed
- Redemption rates:
- 1.25 cents per point for charities
- 1.1 cents per point for annual fees
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: No end date listed
- 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: No end date listed
- 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: No end date listed
- 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:
- Eligible purchases:
- Travel
- Cardholder annual fee
- Gas stations and home improvement stores
- Utilities and department stores
- Amazon.com [starting October 1, 2025]
- Redeem by: December 31, 2025
- Redemption rates: 1.25 cents per point
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
- Annual membership fees
- 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.
- 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 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:
- 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.
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
And the eligible categories for the Disney® Premier Visa® Card:
- 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.
- Redeem by: No end date listed
- Redemption rates: 1 cent per point
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 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 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.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), and Chase Sapphire Preferred® Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
