(Update 7/18/25: Aeroplan added select Department Stores and select Utilities at .8 cents per point.)
Chase has slowly been rolling out the Pay Yourself Back (PYB) feature on many of their cards which allows redeeming points to offset select charges. The Sapphire Reserve is the main one people use heavily, and there are some others with some usefulness as well.
- Chase Aeroplan card PYB is 1.25 cents per point on Travel purchases (limited to 200k points per year) and annual fee through 12/31/25. There are some other categories for redemption at .8 cents per point: Dining, Grocery, Gas, Home Improvement, select Department Stores, select Utilities, Amazon and Whole Foods.
- Chase Southwest (all card versions) PYB 1 cent per point toward cover the annual fee (nothing else is eligible any longer, just the annual fee). Valid through June 30, 2025.
- Chase United (all card versions) PYB for the Annual Fee (between 1.35 and 1.6 cents per point, depending on the card version). You can also PYB United flight purchases of $50+ at 1 cent per point. These are valid through December 31, 2025.
- Chase Marriott Bonvoy Bold card PYB for airline purchases and Marriott hotel purchases at .8 cents per point (up to $750 total per year). Valid through June 30, 2025.
- Chase Sapphire Preferred PYB 1.1 cents per point for the Annual Fee. Also select charities at 1.25 cents per point.
- Chase Sapphire Reserve for Business, Chase Sapphire Preferred, Freedom cards, and INK cards offer select charities at 1.25 cents per point.
- Chase Sapphire Reserve we covered in a separate dedicated post.
