Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Chase | Ultimate Rewards
Reload this Page >

Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus, UA (2024-)

Old Jan 20, 2024, 10:41 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: Rare
For previous discussion and historical redemption categories in prior years, see this archived thread: Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus (2020-2023)

Pay Yourself Back is a program that offers a higher redemption value for UR points, at either 1.25 or 1.5 cents per point, as a rebate on purchases in specific categories, when charges are made on certain Chase cards.

Note: Because UR can be redeemed directly for travel at a value of up to 1.5 cents/UR or transferred to travel partners with even higher valuations, Pay Yourself Back redemptions at less than 1.5 cents/UR are rejected by most posters, except in narrow circumstances where travel redemptions are not desired.

As of July 2024, the redemption categories are:

Chase Sapphire Reserve
  • Select Charities (1.5 cents/UR)
  • Wholesale Clubs (1.25)
  • Pet Supply Stores and Veterinary Services (1.25)
  • Gas Stations (1.25)
  • Annual fee (1.25)
  • Grocery Stores (1.25) (ended March 31, 2024)
Chase Sapphire Preferred
Chase Freedom
Chase Freedom Unlimited
Chase Ink Cash
Chase Ink Preferred
Chase Ink Plus
  • Select Charities (1.25)
Note: Many Chase United co-branded cards offer a version of the Pay Yourself Back program, where United miles can be used to offset the annual fee at a value of 1.5-1.8 cents/mile and other United travel expenses at 1 cent/mile. Most posters only consider redeeming for the annual fee due to the value of United miles for award tickets.

Reported redemption values for United credit card annual fees:
  • United Club Card (Personal Version) - 1.8 cents
  • United Quest - 1.6 cents
  • United Explorer - 1.52 cents (1/2024)
  • United Business Card (without Club access) - 1.5 cents (2/2024)
  • United Select (legacy card) - 1.5 cents
There was also a report on the Doctor of Credit blog that PYB was added to Disney cards at the rate of 1 cent/point, for the following charges:
  • Select U.S. Disney locations in Disney Parks and Resorts (for a list of Disney locations, visit DisneyRewards.com/Where-To-Redeem), Disney store and outlet locations in the U.S., shopDisney.com, DisneyPlus.com, Hulu.com and ESPNPlus.com




Print Wikipost

Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus, UA (2024-)

Old Apr 7, 2024 | 1:38 pm
  #16  
10 Years on Site
 
Join Date: Aug 2012
Location: SEA
Programs: AS MVP, Bonvoy Gold
Posts: 1,958
Originally Posted by DeltaNeutral28
Question, I recall form the Covid days that I had time after the period ended, as long as the charges posted in the time frame, am I not recalling this correctly? How would one make a charge on March 30/31 and then redeem for PYB at Grocery. Seems misleading.
No, it's pinned to the promotion period, not the purchase +90 days: If you purchase something eligible on the 31st, and the promotion ends (and is not renewed on the 1st), then you are out of luck.
EkekoBWI is offline  
Old Apr 29, 2024 | 1:24 pm
  #17  
Moderator: Chase Ultimate Rewards
10 Countries Visited15 Years on Site
 
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,545
PYB on Disney cards now

Per the Doctor of Credit blog, PYB has been added to Disney cards at a rate of 1 cent/point, as follows:

Select U.S. Disney locations in Disney Parks and Resorts (for a list of Disney locations, visit DisneyRewards.com/Where-To-Redeem), Disney store and outlet locations in the U.S., shopDisney.com, DisneyPlus.com, Hulu.com and ESPNPlus.com
No idea if this is a good deal but I'll add it to the wiki and invite anyone with experience to comment about it.
MDtR-Chicago is online now  
Old Jul 2, 2024 | 8:16 am
  #18  
20 Years on Site
 
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 881
Originally Posted by notquiteaff
CSR PYB categories for. April 1 - June 30, 2024

- wholesale clubs 1.25
- pet supply and servides 1.25
- gas stations 1.25
- select charities. 1.5
- annual fee 1.25
Same categories extended through September 30 (with the second one being "Pet supply stores & veterinary services").
Rare is offline  
Old Oct 1, 2024 | 12:38 pm
  #19  
Original Poster
FlyerTalk Evangelist
 
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA ExPlat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 17,982
CSR PYB categories for Oct 1 - Jan 31, 2025

- Insurance 1.25
- Utilities 1.25
- Gas 1.25
- Gym, Fitness Clubs 1.25
- Annual Fee 1.25
- Select charities 1.5



Rare likes this.
notquiteaff is online now  
Old Oct 3, 2024 | 9:59 am
  #20  
30 Countries Visited3M20 Years on Site
 
Join Date: Jun 2004
Location: PBI
Programs: DL 2.8 MM/PM, AA MM/GLD, Marriott LT Platinum, Hilton Gold
Posts: 1,765
Quick note that this can be a great way to boost your donations to several of the organizations assisting with relief efforts for Hurricane Helene.
For example, World Central Kitchen is on the ground in Asheville and they are one of the selected charities at 1.5 on the CSR.
Rare, mia, MDtR-Chicago and 4 others like this.

Last edited by pbjag; Oct 3, 2024 at 4:02 pm
pbjag is offline  
Old Oct 3, 2024 | 7:58 pm
  #21  
20 Years on Site
 
Join Date: Nov 2002
Location: Chicago
Programs: AA Plt, FB Silver
Posts: 873
Originally Posted by CJ99
For purchases that earned a spending category bonus, is the bonus usually clawed back after you pay yourself back? Asking for the MileagePlus version of PYB, but I imagine it would be the same policy for the other Chase cards.

Thanks in advance,

CJ
Can confirm that the spending bonus was in no way clawed after paying myself back.
Rare likes this.
CJ99 is offline  

Thread Tools
Search this Thread

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.