Just used the Pay Yourself back option for 1.5 cents per point on Dining, Groceries and Home Improvement and it let me use it on purchases up to 90 days ago - I used it on purchases from March 11. Nice option to redeem points at a pretty healthy 1.5 cent rate when travel is not an option.Getting 2 cents per points requires a fair bit of work to plan and transfer points - the 1.5 cents is simple and takes a few seconds to execute. On groceries and food delivery this is 7.5% cash back with the recent 5x points for these purchases and 4.5% cashback on restaurant and travel purchases - I'm happy with these redemption rates.
Looks like my groceries and dining out will be paid for by Chase for the next few months.
