If Chase’s Pay Your self Again hasn’t been in your radar shortly, it might be price brushing up on this redemption choice.
Not solely has the choice continued to develop to a broader record of Chase playing cards, however some redemption charges aren’t something to sneeze 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 Chase Aeroplan® Credit score Card (see charges and charges) and the Marriott Bonvoy Daring® Credit score Card (see charges and charges).
Many of those present affords are legitimate now by June 30.
This is the whole lot it is advisable 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, eradicating choices equivalent to grocery and residential enchancment shops and including others.
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 may not usually provide the identical most worth to your Final Rewards factors you will get with strategic use of switch companions.
Nonetheless, it might be a sensible choice for those who’re in search of a easy redemption or are sitting on a pile of factors with out instant use.
With some airline playing cards now eligible for Pay Your self Again, the speed at which you’ll be able to redeem for some classes is over the common return you will seemingly get when utilizing the miles to guide journey.
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Associated: The perfect Chase bank cards
What purchases are eligible for Pay Your self Again?
Listed here are the present classes eligible for Pay Your self Again:
| Card | Redemption worth | Present finish date |
|---|---|---|
| Chase Sapphire Reserve® (see charges and charges) and J.P. Morgan Reserve Card | Choose charities: 1.5 cents per level
Fuel stations, groceries, pet provide shops, veterinary providers and cardholder annual charges: 1.25 cents per level |
June 30 |
| Chase Sapphire Most well-liked® Card (see charges and charges) | Choose charities: 1.25 cents per level | June 30 |
| Chase Freedom Flex® (see charges and charges), Chase Freedom Limitless® (see charges and charges) and Chase Freedom | Choose charities: 1.25 cents per level | June 30 |
| Ink Enterprise Most well-liked® Credit score Card (see charges and charges), Ink Enterprise Premier® Credit score Card (see charges and charges), Ink Enterprise Money® Credit score Card (see charges and charges) and Ink Enterprise Limitless® Credit score Card (see charges and charges) | Choose charities: 1.25 cents per level | June 30 |
| 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
Eating at eating places, grocery shops (excluding Goal, Walmart and wholesale golf equipment), house enchancment shops and fuel stations: 0.8 cents per level |
Dec. 31 for house enchancment shops and fuel (eating at eating places and grocery shops are ongoing classes) |
| United Airways private and enterprise bank cards | Cardholder annual charges: 1.35-1.5 cents per mile (based mostly upon United product)
United airfare purchases made immediately with the airline of not less than $50: 1 cent per mile |
Dec. 31 |
| Southwest Airways private and enterprise bank cards | Cardholder annual charges inside 90 days of transaction date: 1 cent per level | June 30 |
| Marriott Bonvoy Daring Credit score Card | Journey purchases made immediately with airways or Marriott Bonvoy resorts (as much as $750 complete per 12 months): 1 cent per level | June 30 |
| 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 up to now 90 days: 1 Disney Rewards Greenback per greenback
These with a Disney® Premier Visa® Card (see charges and charges) can redeem Disney Rewards {Dollars} towards airline purchases with any airline on the fee of 1 Disney Rewards Greenback per greenback |
Ongoing; no particular finish date |
The knowledge for the 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 record of charities for Pay Your self Again consists of:
- American Purple Cross
- Equal Justice Initiative
- Feeding America
- GLSEN
- Habitat for Humanity
- Worldwide Medical Corps
- Worldwide Rescue Committee, Inc.
- Management Convention Training Fund
- Make-A-Want America
- NAACP Authorized Protection and Training Fund
- Nationwide City League
- Out & 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 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 once you redeem them for an eligible charity donation. You can get an excellent greater worth by transferring your factors to journey companions, however this redemption fee matches the speed provided on Chase Journey℠ redemptions for this card.
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 by way of 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 be able to redeem factors. Factors could be redeemed for purchases way back to 90 days.
You may offset the total buy quantity, assuming you’ve 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: Methods to 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 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 will be given an choice to enter the quantity you’d prefer to redeem and the place you would like your rewards deposited. All cash-back redemptions are mounted at 1 cent per level, rather less than half of TPG’s March 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 say it on my taxes?
Backside line
Chase’s Pay Your self Again function offers helpful flexibility for a lot of cardholders. Finally, whether or not you must redeem your steadiness on this means is determined by how you intend to make use of your factors, what number of you at present have and whether or not or not you’d profit considerably from the assertion credit.
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