If Chase’s Pay Your self Again hasn’t been in your radar shortly, it could be value brushing up on this redemption choice.
Not solely has the choice continued to increase to a broader checklist of Chase playing cards, however some redemption charges aren’t to be sneezed at.
Chase gives 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 gives are legitimate now by Sept. 30.
Here 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 present cardmembers an alternative choice to redeeming factors for journey. The classes have developed over time, however the core function of this system has remained just about unchanged.
In brief, 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 may not sometimes provide the identical most worth in your Final Rewards factors that you may get with strategic use of switch companions.
Nonetheless, it could possibly be a sensible choice if you happen to’re in search of 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 common return you may possible get when utilizing your rewards to ebook journey.
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Associated: One of the 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 |
|---|---|---|
| Choose charities: 1.5 cents per level
Gasoline stations, groceries, residence enchancment shops and cardholder annual payment: 1.25 cents per level |
Sept. 30 | |
| Chase Sapphire Most popular® Card (see charges and costs) | Choose charities: 1.25 cents per level
Cardholder annual payment: 1.1 cents per level |
Sept. 30 |
| Choose charities: 1.25 cents per level | Sept. 30 | |
| Choose charities: 1.25 cents per level | Sept. 30 | |
| Aeroplan Credit score Card | Journey purchases (as much as 200,000 factors or $2,500 yearly) and cardholder annual payment (solely purchases made at choose retailers inside 90 days earlier than the redemption request date are eligible): 1.25 cents per level
Eating at eating places, grocery shops (excluding Goal, Walmart and wholesale golf equipment), residence enchancment shops, fuel stations, choose shops and choose utilities: 0.8 cents per level |
Dec. 31 for residence enchancment shops, fuel, choose shops and choose utilities (eating at eating places and grocery shops are ongoing classes) |
| United Airways private and enterprise bank cards | Cardholder annual payment: 1.35-1.5 cents per mile (based mostly on which card you might 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 payment inside 90 days of transaction date: 1 cent per level | Sept. 30 |
| Marriott Bonvoy Daring Credit score Card | Journey purchases made straight with airways or Marriott Bonvoy accommodations (as much as $750 complete per 12 months): 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., shopDisney.com, DisneyPlus.com, Hulu.com and ESPNPlus.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 with any airline on the price of 1 Disney Rewards Greenback per greenback |
Ongoing; no particular finish date |
The data for the Chase Freedom Flex, Chase Freedom card and J.P. Morgan Reserve Card 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 Pink Cross
- Equal Justice Initiatives
- 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 School Fund
- United Negro School Fund
- UNICEF USA
- United Means
- World Central Kitchen
As an instance you wished to redeem 10,000 factors in your Chase Sapphire Reserve. For many purchases, you may get a $100 assertion credit score when redeeming 10,000 factors.
However for those self same 10,000 factors, you may get a credit score of $150 if 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 by Chase’s Pay Your self Again program is comparatively simple. Log in to your eligible Chase account by way of the cellular app or desktop and choose the “Pay Your self Again” choice within the redemption menu.
Subsequent, you may see an inventory of eligible purchases for which you’ll redeem factors. Factors may be redeemed for purchases way back to 90 days.
You possibly can offset the complete buy quantity, assuming you might have sufficient factors to cowl it.
From there, you possibly can verify the redemption worth and quantity of factors required after which select to finish the transaction. Your assertion credit score ought to put up inside three enterprise days.
Associated: How you can use Store By 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 mounted at 1 cent per level, rather less than half of TPG’s July 2025 valuation of Final Rewards at 2.05 cents per level.
That redemption worth can be decrease than most of the above Pay Your self Again choices.
Even so, Chase’s conventional cash-back choice is extra beneficiant than what you possibly can count on from another issuers. You will get the identical worth when redeeming Citi ThankYou factors for money again, however Amex solely gives 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 say it on my taxes?
Backside line
Chase’s Pay Your self Again function supplies useful flexibility for a lot of cardholders. Finally, whether or not it’s best to redeem your steadiness on this means is dependent upon how you intend 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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