Aug 12, 2020, 3:23 pm
Last edit by: blueman2
Chase Pay Yourself Back Feature
Pay Yourself Back Rotating Category "Extra bonus boost when using UR points for payment" option
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Currently, the categories for pay yourself back are: grocery stores and dining at restaurants (including takeout & eligible delivery services), home improvement stores and select charitable organizations. Redeem for purchases in these categories made with your Chase card with Ultimate Rewards.
After each purchase posts, you have 90 days to pay yourself back.
+50% MORE POINTS VALUE
You'll get 50% more value from your points when you pay yourself back for eligible purchases listed below.
How does Pay Yourself Back work?
Step icon one
HOW DO I PAY MYSELF BACK?
First select one or more recent eligible purchases listed and hit "Continue" to go to the next step. Then apply some or all of your available Ultimate Rewards points to each transaction you selected and hit "Confirm & Submit" to redeem your points for a statement credit.
Step icon two
HOW DO I APPLY MY POINTS TO SELECTED PURCHASES?
Enter a dollar amount for each transaction, up to the original purchase amount, based on your available Ultimate Rewards points balance. Or select "Apply Full Amount" and we'll apply your available points up to the full cost of each eligible purchase.
Step icon three
WHEN WILL I RECEIVE MY STATEMENT CREDIT?
Once you've submitted your order, it will take 2-3 days for your statement credit to appear on your account.
10/15/2020- Chase has added the Pay Yourself Back feature to the Ink Plus and Preferred Cards: https://www.chase.com/business/credit-cards/ink/inkofferscta?jp_aid_a=T_64096&jp_aid_p=chasehome_3/hero
3/10/2022 - Chase extended the PYB categories for Dining and Annual Fee until 6/30/2022 (was set to expire 3/31/2022) for CSR
9/28/2022 - Chase extended the PYB categories for Dining until 12/31/2022 (was set to expire 9/30/2022) for CSR
Pay Yourself Back Rotating Category "Extra bonus boost when using UR points for payment" option
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Currently, the categories for pay yourself back are: grocery stores and dining at restaurants (including takeout & eligible delivery services), home improvement stores and select charitable organizations. Redeem for purchases in these categories made with your Chase card with Ultimate Rewards.
After each purchase posts, you have 90 days to pay yourself back.
+50% MORE POINTS VALUE
You'll get 50% more value from your points when you pay yourself back for eligible purchases listed below.
How does Pay Yourself Back work?
Step icon one
HOW DO I PAY MYSELF BACK?
First select one or more recent eligible purchases listed and hit "Continue" to go to the next step. Then apply some or all of your available Ultimate Rewards points to each transaction you selected and hit "Confirm & Submit" to redeem your points for a statement credit.
Step icon two
HOW DO I APPLY MY POINTS TO SELECTED PURCHASES?
Enter a dollar amount for each transaction, up to the original purchase amount, based on your available Ultimate Rewards points balance. Or select "Apply Full Amount" and we'll apply your available points up to the full cost of each eligible purchase.
Step icon three
WHEN WILL I RECEIVE MY STATEMENT CREDIT?
Once you've submitted your order, it will take 2-3 days for your statement credit to appear on your account.
10/15/2020- Chase has added the Pay Yourself Back feature to the Ink Plus and Preferred Cards: https://www.chase.com/business/credit-cards/ink/inkofferscta?jp_aid_a=T_64096&jp_aid_p=chasehome_3/hero
3/10/2022 - Chase extended the PYB categories for Dining and Annual Fee until 6/30/2022 (was set to expire 3/31/2022) for CSR
9/28/2022 - Chase extended the PYB categories for Dining until 12/31/2022 (was set to expire 9/30/2022) for CSR
Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus (2020-2023)
Oct 1, 2020, 9:12 am
#181
Join Date: Apr 2013
Posts: 84
For those who still have eligible purchases, can anyone check if PYB function at 1.5c/pt still works for grocery or restaurant purchases as of today 10/1?
Oct 1, 2020, 9:26 am
#182
Join Date: May 2013
Posts: 42
I just paid myself back today (10/1) for a couple of restaurant purchases that were prior to 10/1. Not sure if that's what you meant or if you meant for charges on 10/1 or later. The latter I cannot help with. Edit: can confirm it's still the 1.5c rate.
Last edited by ironcow13; Oct 1, 2020 at 11:40 am
Oct 3, 2020, 11:32 am
#183
Join Date: Jan 2015
Location: CLE
Programs: United, Hilton, Marriott, Hertz, National
Posts: 189
I'd like to purchase an Apple Gift Card but no grocery store near me has them. If I buy one online from a grocery store's website (e.g., Kroger), will that code as a grocery store purchase for PYB purposes?
Oct 3, 2020, 3:43 pm
#184
FlyerTalk Evangelist
Join Date: Sep 2006
Location: Toledo, OH
Programs: Delta DM & MM, Hilton DM, Marriott gold, Hyatt Globalist, Alaska 75K, Wyndham Diamond,
Posts: 15,399
AFAIK Kroger doesn't ship gift cards. I don't remember seeing any actual apple gift cards at Kroger, just Itunes/App store cards.
Oct 3, 2020, 4:50 pm
#185
Join Date: Aug 2012
Location: SEA
Programs: Bonvoy Gold
Posts: 1,947
Not the question you asked, but I generally advise against Apple gift cards; better to take the added warranty on electronics that comes with CSR than the small savings the GCs (could) afford. There's a few assumptions in my last sentence, but perhaps this is something to think about if relevant to your case.
Oct 4, 2020, 5:56 am
#186
Join Date: Jan 2015
Location: CLE
Programs: United, Hilton, Marriott, Hertz, National
Posts: 189
Not the question you asked, but I generally advise against Apple gift cards; better to take the added warranty on electronics that comes with CSR than the small savings the GCs (could) afford. There's a few assumptions in my last sentence, but perhaps this is something to think about if relevant to your case.
Oct 4, 2020, 7:20 am
#187
Join Date: Sep 2011
Posts: 1,857
The extended warranty will only reimburse you up to the amount you charge to the card.
Oct 4, 2020, 7:36 am
#188
Join Date: Jan 2015
Location: CLE
Programs: United, Hilton, Marriott, Hertz, National
Posts: 189
Oct 4, 2020, 7:53 am
#189
Join Date: Sep 2011
Posts: 1,857
You will be reimbursed up to the amount charged to Your Account or the program limit, whichever is less.
Oct 4, 2020, 10:27 am
#190
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
The preceding advice you received is so good I shutter to add this obvious bit of my own. To wit, when in doubt, do a small test purchase first. And afterwards, report your results here to benefit others.
Oct 5, 2020, 8:20 am
#191
Join Date: Jan 2015
Location: CLE
Programs: United, Hilton, Marriott, Hertz, National
Posts: 189
So after being thoroughly embarrassed by my oversight on the warranty coverages on my CSR...I'm glad to say that after doing a trial purchase, the gift card purchase coded as grocery and is eligible for PYB.
Oct 5, 2020, 10:27 pm
#193
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 833
https://www.chase.com/personal/credi...serve-benefits
Oct 6, 2020, 9:41 am
#194
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Does Chase really think1.5x PYB is sufficient to compensate for the CFF eating CSR's lunch?
Oct 6, 2020, 2:29 pm
#195
Join Date: Sep 2011
Posts: 1,857
I don't see it that way. CSR is a better card if you have CFF as well. CFF is a better card if you have CSR as well. They enhance each other. Think of them as spaghetti and meatballs. Both good individually, but better together.