Jan 20, 2024, 10:41 pm
Last edit by: MDtR-Chicago
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 April 2024, the redemption categories are:
Chase Sapphire Reserve
Chase Freedom
Chase Freedom Unlimited
Chase Ink Cash
Chase Ink Preferred
Chase Ink Plus
Reported redemption values for United credit card annual fees:
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 April 2024, the redemption categories are:
Chase Sapphire Reserve
- Select Charities (1.5 cents/UR)
- Wholesale Clubs (1.25)
- Pet Supply Stores and Services (1.25)
- Gas Stations (1.25)
- Annual fee (1.25)
Grocery Stores (1.25)(ended March 31, 2024)
Chase Freedom
Chase Freedom Unlimited
Chase Ink Cash
Chase Ink Preferred
Chase Ink Plus
- Select Charities (1.25)
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
Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus, UA (2024-)
Jan 1, 2024, 8:45 am
#1
FlyerTalk Evangelist
Original Poster
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,859
Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus, UA (2024-)
So my CSR has these categories:
1.25 - Gas Stations, good through 3/31/2024
1.25 - Grocery Stores, good through 3/31/2024
1.50 - select Charities, good through 3/31/2024
1.25 - annual fee, good through 3/31/2024
1.25 - Gas Stations, good through 3/31/2024
1.25 - Grocery Stores, good through 3/31/2024
1.50 - select Charities, good through 3/31/2024
1.25 - annual fee, good through 3/31/2024
Jan 1, 2024, 3:28 pm
#2
Join Date: Aug 2012
Location: SEA
Programs: Bonvoy Gold
Posts: 1,947
Yes, and I'd highly doubt there's variance among CSR card holders.
Jan 20, 2024, 10:29 pm
#3
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
Pay Yourself Back - Sapphire Reserve & Preferred, INK Preferred & Plus (2024-)
Welcome to 2024! This thread has been restarted to archive the generous offers from early in the pandemic, since the program has changed so much since then.
I've rebuilt the wiki so that we can list the current categories for redemptions. It would be appreciated if someone with the cards I do not have could update those categories.
I've rebuilt the wiki so that we can list the current categories for redemptions. It would be appreciated if someone with the cards I do not have could update those categories.
Last edited by MDtR-Chicago; Jan 20, 2024 at 10:51 pm
Jan 21, 2024, 9:53 am
#4
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 833
Added Freedom and Freedom Unlimited, which have the same 25% bonus for select charities as the Sapphire Preferred.
Feb 12, 2024, 8:14 pm
#7
Join Date: Nov 2002
Location: Chicago
Programs: AA Plt, FB Silver
Posts: 848
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
Thanks in advance,
CJ
Feb 12, 2024, 10:37 pm
#8
FlyerTalk Evangelist
Original Poster
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,859
Don’t know anything about the MP version of PYB… but during the hey days of PYB I earned a ton of miles in CSR categories with 3X and redeemed the points for PYB for those charges. I think it was dining and during Covid groceries. The category earnings were not clawed back. And why should they?
Feb 13, 2024, 9:10 am
#9
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 833
No, never. You earn points (including bonus) from purchases. You use points to PYB. These are completely separate transactions.
Feb 13, 2024, 4:18 pm
#10
Join Date: Nov 2002
Location: Chicago
Programs: AA Plt, FB Silver
Posts: 848
Thanks. I was concerned that PYB would be treated like a return, at least if done before the statement closed, and would wipe out the spend/bonus. Glad to hear my worries were unfounded.
Feb 24, 2024, 12:56 pm
#11
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
I added a table at the end of the wiki for recent reports of PYB values on United credit card annual fees. The range is 1.5 - 1.8 cents per mile, depending on the card.
Mar 31, 2024, 9:11 pm
#13
FlyerTalk Evangelist
Join Date: Feb 2001
Location: Los Angeles, CA USA
Posts: 31,216
Mods please move this if there is a more appropriate thread, but it looks like Chase just got rid of PYB for groceries. At least I couldn't find the option in the app.
Maybe just kill PYB altogether and get it over with? On it's own this isn't the biggest nerfing in the history of nerfing, but it seems like Chase is really taking the hatchet to this card. Wonder why - is it just no longer profitable for them?
Maybe just kill PYB altogether and get it over with? On it's own this isn't the biggest nerfing in the history of nerfing, but it seems like Chase is really taking the hatchet to this card. Wonder why - is it just no longer profitable for them?
Last edited by anrkitec; Mar 31, 2024 at 9:18 pm
Apr 1, 2024, 6:51 am
#14
FlyerTalk Evangelist
Original Poster
Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,859
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
- wholesale clubs 1.25
- pet supply and servides 1.25
- gas stations 1.25
- select charities. 1.5
- annual fee 1.25
Apr 1, 2024, 8:27 am
#15
Join Date: Aug 2014
Posts: 1,303
Mods please move this if there is a more appropriate thread, but it looks like Chase just got rid of PYB for groceries. At least I couldn't find the option in the app.
Maybe just kill PYB altogether and get it over with? On it's own this isn't the biggest nerfing in the history of nerfing, but it seems like Chase is really taking the hatchet to this card. Wonder why - is it just no longer profitable for them?
Maybe just kill PYB altogether and get it over with? On it's own this isn't the biggest nerfing in the history of nerfing, but it seems like Chase is really taking the hatchet to this card. Wonder why - is it just no longer profitable for them?