Chase Updates Pay Yourself Back Categories for Sapphire, Ink, and Other Co-Branded Cards

Chase first introduced its Pay Yourself Back option during the pandemic to allow cardholders to redeem their points without traveling. All these years later, it remains popular, and the program has expanded with new categories and deadlines.

Now, Chase has confirmed that Pay Yourself Back has updates, with new categories on several eligible cards. Let’s take a look at all the details!

Chase Sapphire Cards

Chase Sapphire Reserve^®

Anyone who has the Chase Sapphire Reserve card can redeem points for 1.2 cents apiece for a statement credit against purchases at department store purchases and 1.15 cents each against purchases from wholesale clubs and groceries (excluding Target and Walmart). These categories apply through December 31, 2026.

Cardholders can also redeem points for 1.25 cents apiece towards the $795 annual fee through December 31, 2026.

Cardholders can also redeem points for 1.5 cents apiece for eligible charities through December 31, 2026.

Chase Sapphire Preferred^® Card

Those who hold the Chase Sapphire Preferred card can redeem Ultimate Rewards points at a value of 1.1 cents apiece against their $95 annual fee. This is available through December 31, 2026.

Additionally, cardmembers can redeem their points toward qualifying charities at 1.25 cents per point through December 31, 2026.

Sapphire Reserve for Business℠

Those with the Chase Sapphire Reserve Business card can redeem points at 1.25 cents each toward qualifying charities through December 31, 2026.

J.P. Morgan Reserve Card

Anyone with the J.P. Morgan Reserve card can redeem points for 1.2 cents apiece for a statement credit against purchases from department stores and 1.15 cents per point for purchases with wholesale clubs and groceries (excluding Target and Walmart) through December 31, 2026.

You can also redeem points toward the $795 annual fee at a rate of 1.25 cents per point.

Additionally, cardholders can redeem points at 1.5 cents each toward qualifying charities through December 31, 2026.

Chase Ink Business Cards

Chase’s lineup of business credit cards also offer the Pay Yourself Back option, with the deadline now extended through December 31, 2026.

Ink Business Preferred^® Credit Card, Ink Business Cash^® Credit Card, Ink Business Unlimited^® Credit Card, and Ink Business Premier℠ Credit Card

If you hold the Ink Business Preferred card, Ink Business Cash card, Ink Business Unlimited card, or the Ink Business Premier card, you’ll be able to redeem your points at a rate of 1.25 cents each for certain charities through December 31, 2026.

Chase Freedom Cards

Cardmembers who utilize Pay Yourself Back can redeem points for select charities at 1.25 cents apiece through December 31, 2026. Eligible cards include the Chase Freedom Flex^® and the Chase Freedom Unlimited^®.

Southwest Airlines Cards

Southwest cardholders can use Rapid Rewards points to cover their annual fee (1 cent per point), and there’s no specified deadline for this option. Redemption requests must be made within 90 days of the transaction date.

Eligible consumer cards include the Southwest Rapid Rewards^® Plus Credit Card, the Southwest Rapid Rewards^® Premier Credit Card, and the Southwest Rapid Rewards^® Priority Credit Card.

Eligible small-business cards include the Southwest^® Rapid Rewards^® Performance Business Credit Card and the Southwest^® Rapid Rewards^® Premier Business Credit Card.

United MileagePlus Cards

Depending on the United credit card you have, you can redeem MileagePlus miles for 1.35 to 1.5 cents per mile toward your card’s annual fee. United cardholders also can use Pay Yourself Back to redeem miles at 1 cent each for eligible United inflight transactions of $50 or more.

There’s no specified deadline for this Pay Yourself Back option at this time.

You’ll get 1.5 cents per mile in value when redeeming miles toward your card’s annual fee with cards like the United℠ Explorer Card, but a lesser value of 1.4 cents per mile when using points to offset the annual fee on the United Quest℠ Card.

Chase Air Canada Aeroplan^® Credit Card

Aeroplan card holders can redeem their points at 1.25 cents apiece to cover their annual fee (within 90 days of the billing date) and travel purchases. There is a limit of 200,000 points or $2,500 in value per year with these redemptions.

Also, through December 31, 2026, cardholders can use Pay Yourself Back for gas, dining (including eligible delivery services), and grocery store purchases, excluding Target and Walmart (redeemed at a rate of 0.8 cents per point, so you can redeem 10,000 points for an $80 statement credit).

Marriott Bonvoy Bold^® Credit Card

Marriott Bold cardmembers can redeem points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy. The maximum redemption is $750 per year. Points are redeemed at a value of 0.8 cents each, meaning you could use 93,750 points to reach the $750 limit.

There’s no specified deadline for this Pay Yourself Back option at this time. Points can be redeemed at any time and in any amount.

Disney Cards

All Disney cardholders can use Reward Dollars as a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites, including DisneyStore.com, DisneyPlus.com, Hulu.com, and Stream.ESPN.com, with no specified end date. You must do this within 90 days of the transaction date.

Eligible cards include the Disney^® Inspire Visa^® Card, the Disney^® Premier Visa^® Card, and the Disney^® Visa^® Card.

Cardholders can also redeem Rewards Dollars toward airline purchases, including tickets on any airline to any destination with no blackout dates. This doesn’t apply to the Disney Visa card, though.

Final Thoughts

The Pay Yourself Back offering has proven to be immensely popular. Select redemption categories have been extended once again through December 31, 2026.

Although Chase Ultimate Rewards points can be more valuable when transferred to Chase’s transfer partners, redeeming your points against purchases you’ve made is an easy way to use any stockpile you’ve grown or offset purchases you couldn’t use points for at the time of payment.