If Chase’s Pay Your self Again hasn’t been in your radar shortly, it might be value brushing up on it.
Not solely has this probably profitable possibility continued to develop to a broader record of Chase playing cards, however some redemption charges aren’t to be sneezed at.
Chase provides its Pay Your self Again profit on some cobranded bank cards, together with Southwest Airlines cards, United Airlines cards, the Aeroplan® Credit Card (see rates and fees) and the Marriott Bonvoy Bold® Credit Card (see rates and fees).
Many of those present provides are legitimate now via Dec. 31.
This is every part that you must learn about utilizing Chase Pay Your self Again.
What’s Chase Pay Your self Again?
In 2020, when many of the world wasn’t touring, Chase launched Pay Your self Again as an ongoing redemption possibility inside its Ultimate Rewards program to present cardmembers an alternative choice to redeeming factors for journey. The classes have developed over time, however the core function of this system has remained just about unchanged.
Briefly, the Pay Your self Again possibility permits cardholders of many Chase playing cards to make use of factors at a redemption worth much like reserving journey. This would possibly not sometimes provide the similar maximum value for your Ultimate Rewards points which you can get with strategic use of switch companions.
Nevertheless, it could possibly be a good selection in the event you’re on the lookout for a easy redemption or have a pile of factors that you simply can’t instantly use.
With some airline playing cards now eligible for Pay Your self Again, the speed at which you’ll be able to redeem for some classes is over the typical return you will seemingly get when utilizing your rewards to e-book journey.
Reward your inbox with the TPG Every day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Associated: The best Chase credit cards
What purchases are eligible for Pay Your self Again?
Listed here are the present classes eligible for Pay Your self Again:
| Card | Redemption worth | Present finish date |
|---|---|---|
| Qualifying charities: 1.5 cents per level
Malls, gasoline stations, groceries, dwelling enchancment shops and cardholder annual payment: 1.25 cents per level |
Dec. 31 | |
| Chase Sapphire Preferred® Card (see rates and fees) | Qualifying charities: 1.25 cents per level
Cardholder annual payment: 1.1 cents per level |
Dec. 31 |
| Qualifying charities: 1.25 cents per level | Dec. 31 | |
| Aeroplan Credit Card | Journey purchases (as much as 200,000 factors or $2,500 yearly) and cardholder annual payment (solely purchases made at choose retailers inside 90 days earlier than the redemption request date are eligible): 1.25 cents per level
Amazon.com purchases (together with Complete Meals Market), eating at eating places, gasoline stations, grocery shops (excluding Goal, Walmart and wholesale golf equipment), dwelling enchancment shops, choose malls and choose utilities: 0.8 cents per level |
Dec. 31 for Amazon, gasoline, dwelling enchancment shops, choose malls and choose utilities (eating at eating places, grocery shops and journey are ongoing classes) |
| United Airways private and enterprise bank cards | Cardholder annual payment: 1.35-1.5 cents per mile (primarily based on which card you’ve)
United airfare purchases made straight with the airline of no less than $50: 1 cent per mile |
Dec. 31 |
| Southwest Airways private and enterprise bank cards | Cardholder annual payment inside 90 days of transaction date: 1 cent per level | Dec. 31 |
| Marriott Bonvoy Bold Credit Card | Journey purchases made straight with airways or Marriott Bonvoy resorts (as much as $750 complete per 12 months): 1 cent per level | Ongoing perk of the cardboard |
| Disney bank cards | Purchases made at choose U.S. Disney areas in Disney Parks and Resorts, Disney retailer and outlet areas within the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com and Plus.ESPN.com prior to now 90 days: 1 Disney Rewards Greenback per greenback
These with a Disney® Premier Visa® Card (see rates and fees) can redeem Disney Rewards {Dollars} towards airline purchases prior to now 90 days with any airline on the price of 1 Disney Rewards Greenback per greenback |
Ongoing; no particular finish date |
The knowledge for the J.P. Morgan Reserve, Chase Freedom, Ink Enterprise Most popular and Ink Enterprise Premier has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
The record of charities for Pay Your self Again consists of:
- American Coronary heart Affiliation
- American Pink Cross
- Equal Justice Initiative
- Feeding America
- GLSEN
- Habitat for Humanity
- Worldwide Medical Corps
- Worldwide Rescue Committee
- Management Convention Training Fund
- Make-A-Want America
- NAACP Authorized Protection and Training Fund
- Nationwide City League
- Out and Equal Office Advocates
- SAGE
- Thurgood Marshall Faculty Fund
- United Negro Faculty Fund
- UNICEF USA
- United Means
- World Central Kitchen
As an example you needed to redeem 10,000 factors in your Chase Sapphire Reserve. For many purchases, you will get a $100 assertion credit score when redeeming 10,000 factors.
However for those self same 10,000 factors, you will get a credit score of $150 if you redeem them for an eligible charity donation.
Associated: How much are Chase Ultimate Rewards points worth?
Requesting a credit score
Requesting a credit score via Chase’s Pay Your self Again program is comparatively easy. Log in to your eligible Chase account through the cellular app or desktop and choose the “Pay Your self Again” possibility within the redemption menu.
Subsequent, you will see an inventory of eligible purchases for which you’ll be able to redeem factors. Factors may be redeemed for purchases way back to 90 days.
You possibly can offset the total buy quantity, assuming you’ve sufficient factors to cowl it.
From there, you possibly can affirm the redemption worth and quantity of factors required after which select to finish the transaction. Your assertion credit score ought to publish inside three enterprise days.
Associated: How to use Shop Through Chase to earn more points
Assertion credit score choices on different purchases
Chase has lengthy supplied the choice to redeem factors for a press release credit score — that is not new. To do that, log into your Final Rewards account, hit the drop-down menu and choose “Money Again.”
You will be given an choice to enter the quantity you’d prefer to redeem and the place you want your rewards deposited. All cash-back redemptions are fastened at 1 cent per level, rather less than half of TPG’s October 2025 valuation of Final Rewards at 2.05 cents per level.
That redemption worth can also be decrease than lots of the above Pay Your self Again choices.
Even so, Chase’s conventional cash-back possibility is extra beneficiant than what you possibly can anticipate from another issuers. You will get the identical worth when redeeming Citi ThankYou factors for money again, however Amex solely provides 0.6 cents per level for this selection. Capital One is available in final place, with cardholders netting simply 0.5 cents per mile when redeeming for money again.
Associated: If I cash out my points and miles, do I have to claim it on my taxes?
Backside line
Chase’s Pay Your self Again characteristic gives precious flexibility for a lot of cardholders.
In the end, whether or not it is best to redeem your stability on this means depends upon how you propose to make use of your factors, what number of you at present have and whether or not or not you’d profit considerably from the assertion credit.
Associated: Supercharge your Chase Ultimate Rewards balance with these top 5 cards