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 choice continued to develop to a broader listing of Chase playing cards, however some redemption charges aren’t to be sneezed at.
Chase affords its Pay Your self Again profit on some cobranded bank cards, together with Southwest Airways playing cards, United Airways playing cards, the Aeroplan® Credit score Card (see charges and costs) and the Marriott Bonvoy Daring® Credit score Card (see charges and costs).
Many of those present affords are legitimate now via Dec. 31.
Here is all the pieces you should find out 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 choice inside its Final Rewards program to offer cardmembers an alternative choice to redeeming factors for journey. The classes have advanced over time, however the core goal of this system has remained just about unchanged.
Briefly, the Pay Your self Again choice permits cardholders of many Chase playing cards to make use of factors at a redemption worth just like reserving journey. This may not sometimes provide the similar most worth on your Final Rewards factors you could get with strategic use of switch companions.
Nevertheless, it could possibly be a good selection if you happen to’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 possible get when utilizing your rewards to e-book journey.
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Associated: The very best Chase bank cards
What purchases are eligible for Pay Your self Again?
Listed below are the present classes eligible for Pay Your self Again:
| Card | Redemption worth | Present finish date |
|---|---|---|
| Qualifying charities: 1.5 cents per level
Malls, fuel stations, groceries, dwelling enchancment shops and cardholder annual price: 1.25 cents per level |
Dec. 31 | |
| Chase Sapphire Most well-liked® Card (see charges and costs) | Qualifying charities: 1.25 cents per level
Cardholder annual price: 1.1 cents per level |
Dec. 31 |
| Qualifying charities: 1.25 cents per level | Dec. 31 | |
| Aeroplan Credit score Card | Journey purchases (as much as 200,000 factors or $2,500 yearly) and cardholder annual price (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 Entire Meals Market), eating at eating places, fuel stations, grocery shops (excluding Goal, Walmart and wholesale golf equipment), dwelling enchancment shops, choose shops and choose utilities: 0.8 cents per level |
Dec. 31 for Amazon, fuel, dwelling enchancment shops, choose shops and choose utilities (eating at eating places, grocery shops and journey are ongoing classes) |
| United Airways private and enterprise bank cards | Cardholder annual price: 1.35-1.5 cents per mile (primarily based on which card you’ve)
United airfare purchases made straight with the airline of a minimum of $50: 1 cent per mile |
Dec. 31 |
| Southwest Airways private and enterprise bank cards | Cardholder annual price inside 90 days of transaction date: 1 cent per level | Dec. 31 |
| Marriott Bonvoy Daring Credit score Card | Journey purchases made straight with airways or Marriott Bonvoy accommodations (as much as $750 whole per yr): 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 charges and costs) can redeem Disney Rewards {Dollars} towards airline purchases prior to now 90 days with any airline on the fee of 1 Disney Rewards Greenback per greenback |
Ongoing; no particular finish date |
The data for the J.P. Morgan Reserve, Chase Freedom, Ink Enterprise Most well-liked 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 listing of charities for Pay Your self Again consists of:
- American Coronary heart Affiliation
- American Purple 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
For instance 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 once you redeem them for an eligible charity donation.
Associated: How a lot are Chase Final Rewards factors value?
Requesting a credit score
Requesting a credit score via Chase’s Pay Your self Again program is comparatively simple. Log in to your eligible Chase account through the cellular app or desktop and choose the “Pay Your self Again” choice within the redemption menu.
Subsequent, you will see a listing of eligible purchases for which you’ll be able to redeem factors. Factors could be redeemed for purchases way back to 90 days.
You’ll be able to offset the complete buy quantity, assuming you’ve sufficient factors to cowl it.
From there, you’ll be able to 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 you can use Store By way of Chase to earn extra factors
Assertion credit score choices on different purchases
Chase has lengthy provided 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 need 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 choice is extra beneficiant than what you’ll be able to count on from another issuers. You will get the identical worth when redeeming Citi ThankYou factors for money again, however Amex solely affords 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 money out my factors and miles, do I’ve to say it on my taxes?
Backside line
Chase’s Pay Your self Again characteristic gives helpful flexibility for a lot of cardholders.
Finally, whether or not you need to redeem your steadiness on this manner is dependent upon how you propose to make use of your factors, what number of you presently have and whether or not or not you’d profit considerably from the assertion credit.
Associated: Supercharge your Chase Final Rewards steadiness with these high 5 playing cards
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