Chase Marriott Points ‘Pay Yourself Back’ At .8% For Airlines & Marriott Purchases

Chase has added a ‘Pay Yourself Back’ feature to their Marriott Bold card at a rate of .8 cents-per point on airline purchases and Marriott hotel purchases. There is a limit of $750 per year which can be redeemed with this method.

Nice cashout rate on these points. Some cashback folks might start finding these cards interesting for their signup bonuses as a cash-equivalent signup bonus. Personally I don’t spend much on either of those categories so it’s not an easy one for me.

As far as I know, only the Bold card has this Pay Yourself Back option currently.

Use Marriott Bonvoy® Points With Pay Yourself Back®: Marriott Bonvoy points may be redeemed for a statement credit using Pay Yourself Back for purchases made with your Marriott Bonvoy Bold® Credit Card from Chase on airline tickets made directly with the airline and purchases at hotels participating in Marriott Bonvoy® on up to $750 total in redemptions per year. For information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in same window. Go to marriottbonvoy.com/aboutOpens overlay for a list of hotels participating in Marriott Bonvoy. Categories may change from time to time without notice. Points can be redeemed for a statement credit in any increment, towards qualifying purchases with Pay Yourself Back at a value of $100 for every 12,500 points. Redemptions require a minimum of 1 point and a maximum of 12 transactions selected in a single order. Chase has the right to change redemption values at any time. Statement credits will appear on your credit card billing statement within 1-2 billing cycles. Statement credits will reduce your balance but you are still required to make at least your minimum monthly payment. Chase reserves the right to determine which purchases qualify for a statement credit.

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cameron
cameron (@guest_1991935)
January 26, 2025 13:24

could be an alternative to aeroplan for hotel meals.

Tom
Tom (@guest_1991840)
January 26, 2025 06:15

It is potentially a must-have card if it’s only on the bold card (hopefully, it gets extended to the entire Chase family of Marriott cards). PYB on Marriott stays is likely the meta-play for most.

Example: $100 Marriott stay vs flight

$100 hotel stay or flight = 12,500 Marriott points redeemed at 0.8cppBase earnings (no status):

10x Marriott points at $100 = 1,000 points12,500 – 1,000 = 11,500$100 / 11,500 = 0.87cpp5x United/AA/Delta miles at $100 = 500 miles12,500 – (500 x 1.5cpp) = 11,750$100 / 11,750 = 0.85cppLowtier status earnings (Marriott Gold vs UAS/AAG/DLS)

12.5x Marriott points at $100 = 1,250 points12,500 – 1,250 = 11,250$100 / 11,250 = 0.89cpp7x United/AA/Delta miles at $100 = 700 miles12,500 – (700 x 1.5cpp) = 11,450$100 / 11,450 = 0.87cppMidtier status earnings (Marriott Platinum vs UAG/AAP/DLG)

15x Marriott points at $100 = 1,500 points12,500 – 1,500 = 11,000 points$100 / 11,000 = 0.91cpp8x United/AA/Delta miles at $100 = 800 miles12,500 – (800 x 1.5cpp) = 11,300$100 / 11,300 = 0.88cppHigh-tier status earnings (Marriott Titanium vs UAP/AAPP/DLP)

17.5x Marriott points at $100 = 1,750 points12,500 – 1,750 = 10,750 points$100 / 10,750 = 0.93cpp9x United/AA/Delta miles at $100 = 900 miles12,500 – (900 x 1.5cpp) = 11,150$100 / 11,150 = 0.9cppOf course, if you value UA/AA/DL miles more than 1.5cpp, then PYB on those flights likely works better for you. And, of course, this simple example ignores the nuance of taxes, fees, etc or the added value of status with each loyalty product.

wander
wander (@guest_1991639)
January 25, 2025 16:30

Only the Bold card?

Austin
Austin (@guest_1991523)
January 25, 2025 11:20

only the Bold card ?

Chaim
Chaim (@guest_1991517)
January 25, 2025 11:04

Can i use it to buy he flight or only for extras like luggage and seats?
Also does work for all airlines?

Morris
Morris (@guest_1991444)
January 25, 2025 05:25

Higher than market rate for people that prefer to “cash out,” not bad.

G
G (@guest_1991272)
January 24, 2025 19:17

0.8 CPP is not bad actually for Marriott Points. It’s hard these days to even find bookable hotels at 0.8CPP with flex pricing.

Vote for Tedros
Vote for Tedros (@guest_1991187)
January 24, 2025 17:00

1,000 points at .8 cents per point might get you a cup of coffee

Choose Delta so you can stay thirsty my friends

Atme
Atme (@guest_1991576)
January 25, 2025 13:38

Your coffee costs $8?

Eyelash junk
Eyelash junk (@guest_1991706)
January 25, 2025 20:04

The sub alone gives you $480 dollars dude