If Chase’s payment has not been in its radar in a time, it can be worth reviewing it.
This potentially lucrative option has not only remained expanding to a broader list of persecution cards, but some redemption rates should not be sneezed.
Chase offers your payment benefit on some Cobranded credit cards, including Southwest Airlines cards, United Airlines cardshe Aeropan® credit card (see rates and rates) and the Marriott Bonvoy Bold® credit card (see rates and rates).
Many of these current offers are valid until December 31.
Here is everything you need to know about the use of Chase paid.
What returns Chase?
In 2020, when most of the world did not travel, Chase introduced him to be asked as an ongoing reimbursement option within his Definitive rewards Program to give the cardales an alternative to the redeeming points to travel. The categories have evolved over time, but the central purpose of the program has remained unchanged.
In summary, the Pay Yourself Back option allows card holders of many persecution cards to use points with a redemption value similar to the travel reserve. This will not normally give you the same Maximum value for your final rewards points which can be obtained with the strategic use of transfer partners.
However, it could be a good option if you are looking for a simple redemption or has a lot of points that you cannot use immediately.
With some airline cards now eligible to pay, the rate you can exchange for some categories is more than the average performance you will probably get when you use your rewards to reserve trips.
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Related: The best Chase credit cards
What purchases are eligible to pay?
These are the current current categories to pay:
| Card | Redemption value | Current completion date |
|---|---|---|
| Qualified charities: 1.5 cents per point
Warehouses departments, service stations, edible, home improvement stores and annual fee of the card owner: 1.25 cents per point |
December 31 | |
| CHASE SAPPHIRE PREFERRED® card (see rates and rates) | Qualified charities: 1.25 cents per point
Annual card holder rate: 1.1 cents per point |
December 31 |
| Qualified charities: 1.25 cents per point | December 31 | |
| Airplan Credit Card | Travel purchases (up to 200,000 points or $ 2,500 per year) and annual card holder (only purchases made in selected merchants within 90 days prior to the reimbursement application date are eligible): 1.25 cents per point
Amazon.com purchases (including Whole Foods Market), restaurants in restaurants, service stations, grocery stores (excluding Target, Walmart and wholesale clubs), home improvement stores, selected department stores and selected public services: 0.8 cents per point |
December 31 for Amazon, gas, home improvement stores, selected department stores and selected public services (gastronomy in restaurants, supermarkets and trips are continuous categories) |
| United Airlines Personal and Commercial Credit Cards | Annual card holder rate: 1.35-1.5 cents per mile (according to the card it has)
United Air Passages Purchases directly with the airline at least $ 50: 1 cent per mile |
December 31 |
| Southwest Airlines personal and commercial cards | Annual card holder rate within 90 days after the transaction date: 1 penny per point | December 31 |
| Marriott Bonvoy Bold Ced Lets | Travel purchases made directly with Marriott Bonvoy airlines or hotels (up to $ 750 in total per year): 1 penny per point | Card ongoing advantage |
| Disney credit cards | Purchases made in selected Disney locations at Disney at Disney Parks and Resorts, Disney Store and Outlet Ubations in the US.
Those with a Disney® Visa® card card (see rates and rates) They can redeem Disney rewards dollars for the purchase of airlines in the last 90 days with any airline at the rate of 1 Disney Rewards Dollar per dollar |
Ongoing; No specific completion date |
The information for JP Morgan Reserve, Chase Freedom, Ink Business Prefered and Ink Business Premier has been independently collected by the type of points. The details of the card on this page have not been reviewed or provided by the card issuer.
The list of beneficial organizations to pay yourself includes:
- American Heart Association
- American Red Cross
- Justice initiative
- Feeding America
- GLSEN
- Habitat for humanity
- International Medical Corps
- International Rescue Committee
- Leadership Conference Education Fund
- Make-A-Wish America
- NAACP Defense and Legal Education Fund
- Urban National League
- Out and equal to the workplace defenders
- SAGE
- College from Thurgood Marshall
- United Black College Fund
- UNICEF USA
- United Way
- World Central Kitchen
Suppose he wanted to exchange 10,000 points in his Zafiro Chase reserve. For most purchases, you will get a $ 100 declaration loan when you exchange 10,000 points.
But for those same 10,000 points, you will get a loan of $ 150 when you exchange them for a eligible charity donation.
Related: How much are the Chase Ultimate Rewards points?
Request a loan
Requesting a loan through the Pay Yourself Back Back of Chase is relatively simple. Log in your eligible Chase account through the mobile application or desk and select the “Pay yourself” option in the Redemption menu.
Next, you will see an eligible purchase list for which you can exchange points. The points can be redeemed for purchases from 90 days.
You can compensate for the total purchase amount, assuming you have enough points to cover it.
From there, you can confirm the redemption value and the amount of points required and then choose to complete the transaction. Your declaration credit must publish within three business days.
Related: How to use the store through Chase to win more points
Extract credit options in other purchases
Chase has long offered the option to exchange points for a declaration loan, that is not new. To do this, log in to your Ultimate Rewards, press the drop -down menu and select “cash return”.
You will be given an option to enter the amount you want to exchange and where you want to deposit your rewards. All cash refunds are set at 1 penny per point, a little less than half of October 2025 of TPG valuation From Ultimate Rewards to 2.05 cents per point.
This redemption value is also lower than many of the previous setback options.
Even so, the traditional option of Reto of Cash of Chase is more generous than that you can expect from other emitters. You will obtain the same value when redeeming Citi’s thanks for cash reimbursements, but Amex only offers 0.6 cents per point for this option. Capital One comes in the last place, with card holders that obtain only 0.5 cents per mile when reimbursement in cash.
Related: If I retire my points and miles, do I have to claim it in my taxes?
End
The Chase’s payment function provides valuable flexibility for many card holders.
Ultimately, if you must redeem your balance in this way it depends on how you plan to use your points, how many currently you have and if it would benefit significantly from the credits of the declaration.
Related: Supercar your chase balance Ultimate Rewards with these 5 main cards
