If Chase’s Pay Your self Again hasn’t been in your radar shortly, it might be price brushing up on this redemption possibility.
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 affords its Pay Your self Again profit on some cobranded bank cards, together with Southwest Airlines cards, United Airlines cards, the Aeroplan® Credit Card (see rates and fees) and the Marriott Bonvoy Bold® Credit Card (see rates and fees).
Many of those present affords are legitimate now by Sept. 30.
This is all the pieces you’ll want to 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 possibility inside its Ultimate Rewards program to present cardmembers a substitute for redeeming factors for journey. The classes have developed over time, however the core goal of this system has remained just about unchanged.
In brief, the Pay Your self Again possibility permits cardholders of many Chase playing cards to make use of factors at a redemption worth just like reserving journey. This would possibly not usually provide the identical maximum value for your Ultimate Rewards points you could get with strategic use of switch companions.
Nonetheless, it may very well 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 redeem for some classes is over the typical return you will doubtless get when utilizing your rewards to e book journey.
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Associated: The best Chase credit 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, house enchancment shops and cardholder annual charge: 1.25 cents per level |
Sept. 30 | |
| Chase Sapphire Preferred® Card (see rates and fees) | Choose charities: 1.25 cents per level
Cardholder annual charge: 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 Card | Journey purchases (as much as 200,000 factors or $2,500 yearly) and cardholder annual charge (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), house enchancment shops, fuel stations, choose shops and choose utilities: 0.8 cents per level |
Dec. 31 for house 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 charge: 1.35-1.5 cents per mile (based mostly on which card you’ve got)
United airfare purchases made immediately with the airline of at the least $50: 1 cent per mile |
Dec. 31 |
| Southwest Airways private and enterprise bank cards | Cardholder annual charge inside 90 days of transaction date: 1 cent per level | Sept. 30 |
| Marriott Bonvoy Bold Credit Card | Journey purchases made immediately with airways or Marriott Bonvoy resorts (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 places in Disney Parks and Resorts, Disney retailer and outlet places 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 rates and fees) 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 knowledge 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 offered by the cardboard issuer.
The checklist of charities for Pay Your self Again contains:
- 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 Faculty Fund
- United Negro Faculty Fund
- UNICEF USA
- United Method
- World Central Kitchen
For example you wished 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 while you redeem them for an eligible charity donation.
Associated: How much are Chase Ultimate Rewards points worth?
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 by way of the cell app or desktop and choose the “Pay Your self Again” possibility within the redemption menu.
Subsequent, you will see a listing of eligible purchases for which you’ll redeem factors. Factors might be redeemed for purchases way back to 90 days.
You possibly can offset the complete buy quantity, assuming you’ve got 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 put up inside three enterprise days.
Associated: How to use Shop Through Chase to earn more points
Assertion credit score choices on different purchases
Chase has lengthy supplied the choice to redeem factors for an announcement 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 may 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 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 possibility is extra beneficiant than what you possibly can count on from another issuers. You may 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 cash out my points and miles, do I have to claim it on my taxes?
Backside line
Chase’s Pay Your self Again function gives worthwhile flexibility for a lot of cardholders. Finally, whether or not it is best to redeem your stability on this manner depends 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 Ultimate Rewards balance with these top 5 cards
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