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. More than 4 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 1.25 cents apiece for a statement credit against purchases at gas stations, groceries, home improvement stores, and the card’s $795 annual fee through September 30, 2025.

Cardholders can also redeem points for 1.5 cents apiece for eligible charities through September 30, 2025.

Chase Sapphire Preferred^® Card

Those who hold the Chase Sapphire Preferred card can redeem Ultimate Rewards points at a value of 1.25 cents apiece for qualifying charities through September 30, 2025. Also until September 30, cardholders can redeem points at 1.1 cents each toward their annual fee, which is $95 — requiring 8,637 points.

Sapphire Reserve for Business℠

Those with the Chase Sapphire Reserve Business card can redeem points at 1.25 cents each toward qualifying charities through September 30, 2025.

J.P. Morgan Reserve Card

Anyone with the J.P. Morgan Reserve card can redeem points for 1.25 cents apiece for a statement credit against gas stations, groceries, home improvement stores, and the $550 annual fee, all through September 30, 2025.

Additionally, cardholders can redeem points at 1.5 cents each toward qualifying charities through September 30, 2025.

Chase Ink Business Cards

Chase’s lineup of business credit cards also offer the Pay Yourself Back option, with the deadline extended through September 30, 2025.

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 September 30, 2025.

Chase Freedom Cards

Cardmembers who utilize Pay Yourself Back can redeem points for select charities at 1.25 cents apiece through September 30, 2025. Eligible cards include the Chase Freedom Flex^® and the Chase Freedom Unlimited^®.

Southwest Rapid Rewards Personal Cards

All Southwest personal cardholders can use Rapid Rewards points to cover their annual fee (1 cent per point) through September 30, 2025. Redemption requests must be made within 90 days of the transaction date.

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

Southwest Rapid Rewards Business Cards

All Southwest business cardholders can use Rapid Rewards points to cover their annual fee (at 1 cent per point) through September 30, 2025. As with the personal cards, you must do this within 90 days of the transaction date.

Eligible 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 airfare 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 New United℠ Explorer Card but a lesser value of 1.4 cents per mile when using points to offset the annual fee on The New United Quest℠ Card.

Aeroplan^® Credit Card

Until December 31, 2025, 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, 2025, you can Pay Yourself Back for select department stores, select utilities, home improvement stores, and gas station purchases (redeemed at a rate of 0.8 cents per point, so you can redeem 10,000 points for an $80 statement credit). Those categories are in addition to dining and grocery store redemptions, which don’t have an end date and also feature a 0.8-cents-per-point redemption.

A spokesperson for Chase has also indicated that Pay Yourself Back redemptions at Amazon.com will be available starting in October.

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.

Final Thoughts

The Pay Yourself Back offering has proven to be immensely popular. Select redemption categories have been extended once again through September 30, 2025. Others are available through December 31, 2025.

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.