If Chase’s Pay Your self Again hasn’t been in your radar shortly, it could be price brushing up on it.
Not solely has this doubtlessly profitable choice continued to broaden to a broader checklist 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 by Dec. 31.
This is all the things it’s essential learn about utilizing Chase Pay Your self Again.
What’s Chase Pay Your self Again?
In 2020, when a lot 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 developed over time, however the core objective 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 much like reserving journey. This would possibly not usually provide the similar most worth on your Final Rewards factors that you could get with strategic use of switch companions.
Nevertheless, it may very well be a good selection in case you’re searching 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 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 most effective 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, residence 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 Complete Meals Market), eating at eating places, fuel stations, grocery shops (excluding Goal, Walmart and wholesale golf equipment), residence enchancment shops, choose department shops and choose utilities: 0.8 cents per level |
Dec. 31 for Amazon, fuel, residence enchancment shops, choose department 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 (based mostly on which card you may have)
United airfare purchases made straight with the airline of at the least $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 12 months): 1 cent per level | Ongoing perk of the cardboard |
| Disney bank cards | Purchases made at choose U.S. Disney places in Disney Parks and Resorts, Disney retailer and outlet places 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 charge 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 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 checklist 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 Method
- 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 a lot are Chase Final Rewards factors price?
Requesting a credit score
Requesting a credit score by Chase’s Pay Your self Again program is comparatively easy. Log in to your eligible Chase account through the cell app or desktop and choose the “Pay Your self Again” choice within the redemption menu.
Subsequent, you will see an inventory of eligible purchases for which you’ll 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 may have 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 submit inside three enterprise days.
Associated: Tips on how to use Store Via Chase to earn extra factors
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 mounted 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 possibly can anticipate 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 feature. 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 assert it on my taxes?
Backside line
Chase’s Pay Your self Again function offers useful flexibility for a lot of cardholders.
In the end, whether or not you need to redeem your stability on this means relies on 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.
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