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Chase Extends Pay Yourself Back Option for Ink Cards and Adds New Categories

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Chase Extends Pay Yourself Back Option for Ink Cards

Chase has a Pay Yourself Back option for cardholders where they can use points to cover eligible charges on their credit cards. This option was first introduced during the pandemic last year, but has proved to be very popular. This is an option for consumer and business credit card members.

Now Chase is extending the offer for Ink credit cards, as well as adding new categories. Cardholders will have an additional three months to use their Ultimate Rewards points to cover specific purchases charged to their business cards. There’s also a new option for all cardholders to use Pay Yourself Back for Lyft’s ‘Fund a Ride’.

UPDATE 1/22/22: 

The Pay Yourself Back promotion has been extended until 3/31/22 for Ink Business cards and includes the following categories:

  • Office supplies
  • Internet & cable
  • Phones services

Chase Ink Business Preferred & Chase Ink Business Plus

  • Pay Yourself Back extended through Sept. 30
  • This extends the existing offer, which ran from April 1 – June 30, where cardmembers who opt in for accelerated earn and utilize Pay Yourself Back can redeem points worth 25% more on shipping and home improvement purchases.
  • New spending categories have also been added, including Internet, cable and phone services – all worth 25% more as well.

Chase Ink Cash, Chase Ink Business Cash and Chase Ink Business Unlimited

  • Pay Yourself Back extended through Sept. 30
  • Points are worth 10% more when redeemed for Internet, cable and phone services.

Pay Yourself Back for Lyft Fund a Ride

Chase cardmembers are now able to use Pay Yourself Back to apply points and receive a statement credit for all, or a portion, of a ride purchased through Lyft’s “Fund a Ride” program (through Sept. 30, 2021).

After making a purchase thought Lyft’s Fund a Ride program, Sapphire, Freedom and Ink cardmembers can simply log into Ultimate Rewards on desktop or through the Chase mobile app, select from recent transactions up to 90 days prior, and choose to redeem points for all or a portion of the purchase.

Through September 30, 2021, Sapphire Reserve cardmembers’ points will be worth 50% more, and 25% more for all other Sapphire Freedom and Ink cardmembers, when redeemed for Fund a Ride purchases. For example, Sapphire Reserve cardmembers can apply 1,000 points to pay themselves back on a $15 ride purchase donation.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. I think the answer is no, but if a Sapphire Reserve and Chase Ink are on the same account, are you able to Pay Yourself Back on office supplies at 1.5?

      • Yes, but only if you earn the 5X on the Ink card then combine the UR’s to C$R.
        You can then use one of the C$R’s PYB categories for effective 7.5% cashback.
        In order to use the office supply category for PYB, it must be done from the INK.
        6.25% on Ink+, 5.5% Ink Cash.

    • You’re correct, the answer is no.
      You can combine UR’s in either direction but can only redeem via PYB based on that card’s PYB categories.
      Office supply is a category only on INK, (not C$R).


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