(Reposting 1/1/26: I believe all of these categories have been extended through Q1 2026 or through December 2026)
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. There are some other categories for redemption at .8 cents per point: Dining, Grocery, Gas, Amazon and Whole Foods.
- Chase Disney card PYB at 1 cent per point for: select U.S. Disney locations in Disney Parks and Resorts, Disney store and outlet locations in the U.S., shopDisney.com, DisneyPlus.com, Hulu.com and ESPNPlus.com. The Premier Visa can also get 1 cent per point on Airline purchases.
- Chase Marriott Bonvoy Bold card PYB for airline purchases and Marriott hotel purchases at .8 cents per point (up to $750 total per year).
- Chase Southwest (all card versions) PYB 1 cent per point toward cover the annual fee.
- 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.
- 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, includes Gas stations, Fitness Clubs & Gym Memberships, and Annual Fee at 1.25 cents per point. Select Charities 1.5 cents per point.
Update History:
- (Update 7/18/25: Aeroplan added select Department Stores and select Utilities at .8 cents per point.)
