(Rumor Of Another Extension) Chase Extends and Expands ‘Pay Yourself Back’ Feature

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Chase Extends and Expands ‘Pay Yourself Back’ Feature

Update 9/20/21: Doctor of Credit is reporting that Pay Yourself Back will be extended until December 31, 2021. I am marking it as a rumor at this point since there is nothing showing up online etc. yet. But this wouldn’t surprise me, I have expected an extension all along. I wish they would just make it permanent already!

The new ‘Pay Yourself Back’ tool from Chase was launched earlier this year to help cardholders use their Ultimate Rewards points while being stuck at home. It has been a great success, especially while cards like the Chase Sapphire Reserve could also earn 5X on groceries.

Now Chase is extending the program and also expanding it to more cards. Starting Oct. 1, Chase is expanding its Pay Yourself Back tool to now include Ink and Freedom cards, and is continuing the previously announced categories for Sapphire credit cards. Additionally, all eligible Ultimate Rewards credit cards will have the ability to redeem points towards donations made to eligible charities through Pay Yourself Back. The best option to redeem points is still the Chase Sapphire Reserve, but the added options provide more flexibility to use your Chase Ultimate Rewards.

Some of these offers may have changed since posting.

Pay Yourself Back

Chase Ink Plus® and Ink Preferred®, as well as all Chase Freedom® cardmembers will have access to Pay Yourself Back to apply points towards existing purchases in select categories and get paid back with a statement credit. Chase Sapphire Reserve® and Preferred® cardmembers’ points will continue to be worth 50% and 25% more, across previously announced categories. Additionally, all eligible cardmembers can now use Pay Yourself Back to redeem points towards the contributions they make across a variety of charitable organizations.

  • Chase Ink Business Preferred and Plus
    • October 1, 2020 through the end of the year, cardmembers’ points will be worth 25% more when applied to select online advertising and shipping purchases, as well as towards contributions made to eligible charitable organizations.
  • Chase Sapphire Preferred and Chase Sapphire Reserve
    • Continuing through April 30, 2021, Sapphire Reserve cardmembers’ points will be worth 50% more, and 25% more for Sapphire Preferred cardmembers, when redeemed for statement credits through Chase towards purchases at grocery and home improvement stores, when dining at restaurants, including takeout and delivery services, as well as contributions to eligible charitable organizations.
  • All other Ultimate Rewards eligible credit cards including Chase Freedom, Freedom Unlimited and the new Freedom Flex
    • Starting October 1, 2020, points will be worth 25% more when redeemed towards donations made to eligible charitable organizations.

How ‘Pay Yourself Back’ Works

After making a purchase in an eligible category or making a donation to an eligible charity, cardmembers can select from recent transactions made up to 90 days prior, choose to redeem points for all or a portion of the purchase, and get paid back with a statement credit. Categories and redemption values will evolve over time to continue to provide the most relevant and practical value for cardmembers.

To access the Pay Yourself Back feature, cardmembers can simply log into Ultimate Rewards on their desktop at www.chase.com/ultimaterewards or through the Chase mobile app. Also check out Shawn’s guide here for more information.

Eligible Charities with Pay Yourself Back

Current eligible charities with Pay Yourself Back include:

  • American Red Cross
  • Equal Justice Initiative
  • Feeding America
  • Habitat for Humanity
  • International Medical Corporation
  • Leadership Education Fund
  • NAACP Legal Defense and Education Fund
  • National Urban League
  • Thurgood Marshall College Fund
  • United Negro College Fund
  • United Way
  • World Central Kitchen


I am sure everyone is excited to see ‘Pay Yourself Back’ extended and even added to more cards for select categories. For those that want to take advantage of the ‘Pay Yourself Back’ program, Chase Sapphire Reserve is still the best card for redemptions since it makes your points 50% more valuable. You can even earn points with other cards, and then transfer them to Chase Sapphire Reserve to get more value.

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. Glad they extended this. Definitely makes sense. I wish they added warehouse clubs, but this is still pretty good. Often my local grocery stores discount gift cards so this works great.


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