Chase Pay Yourself Back Q3 2026: Eligible Categories, Statement Credit Guide and Best Redemption Options

Chase Pay Yourself Back Q3 2026: For millions of Chase credit cardholders, Ultimate Rewards points are among the most valuable credit card currencies available. While many travelers prefer transferring points to airline and hotel partners, not everyone is planning a trip. That’s where Chase Pay Yourself Back comes in.

For Q3 2026 (July 1 through September 30), Chase has refreshed its eligible Pay Yourself Back categories across several Ultimate Rewards cards, giving customers another opportunity to redeem points for statement credits at values higher than standard cash back.

But does this redemption option actually provide good value? Here’s everything cardholders need to know.

What Is Chase Pay Yourself Back?

Launched in 2020, Chase Pay Yourself Back lets eligible cardholders kind of redeem Ultimate Rewards points as statement credits for qualifying purchases, instead of booking travel or stuff. It’s basically for when you want to use your rewards directly toward those charges, not go and book a trip.

Unlike a standard cash-back redemption typically worth 1 cent per point, Pay Yourself Back offers enhanced redemption values on select spending categories that change periodically depending on the card.

Chase Revamps Sapphire Preferred Card, Introduces New Credits While Cutting Popular Benefits

Chase Pay Yourself Back Eligible Categories (Q3 2026)

Eligible purchases generally must have been made within the last 90 days. Categories and redemption values vary by card and are currently valid through September 30, 2026, unless Chase announces an extension.

1. Chase Sapphire Reserve®

• Gas stations: Redeem at 1.2 cents per point
• Public transit (buses, trains, ferries, tolls, parking): 1.2 cpp
• Annual card membership fee: 1.5 cpp
• Eligible charitable donations: 1.5 cpp

Best for: Cardholders who want premium redemption value without booking travel.

2. Chase Sapphire Preferred®

• Eligible charitable donations: 1.25 cents per point

No gas, grocery, or transit categories are currently included for this card under Pay Yourself Back.

3. Chase Freedom Unlimited®, Freedom Flex®, and Legacy Freedom®

• Eligible charitable donations: 1.25 cents per point

All other purchases redeem at the standard 1 cent per point unless Chase introduces promotional categories.

4. Chase Ink Business Preferred®, Ink Business Cash®, Ink Business Unlimited®, and Ink Plus®

• Eligible charitable donations: 1.25 cents per point

Business purchases outside promotional categories redeem at the standard value.

5. Aeroplan® Credit Card

• Travel purchases: 1.25 cents per Aeroplan point
• Annual card fee: 1.25 cpp
• Dining purchases: 0.8 cpp
• Grocery stores (excluding Target and Walmart): 0.8 cpp

Travel redemptions are capped at 200,000 points per year.

6. Marriott Bonvoy Bold® Credit Card

Redeem points for 0.8 cents each to pay back the following charges:

• Airlines and Marriott hotel purchases: Redemption limit of $750 in charges per year: no expiry listed

Categories may change periodically.

7. Disney® Visa Cards

Redeem points for 1 cent each to pay back the following charges:

• Select U.S. Disney locations in Disney Parks and Resorts, Disney store and outlet locations in the U.S., DisneyStore.com, DisneyPlus.com, Hulu.com and Plus.ESPN.com
• Airline purchases, excluding purchases made with third-party providers and travel agencies (Disney® Premier Visa® & Disney® Inspire Visa® only)

8. Southwest Rapid Rewards® Credit Cards

Select Southwest-related purchases and limited-time promotional categories may be eligible.

• Redeem points for 1 cent each to pay back the following charges: Annual Fee

Expired Options:

• Home Improvement Stores 0.8 cents per point (9/30/24)
• Internet, Cable, and Phone 0.8 cents per point (9/30/24)

Availability varies by card and promotion.

9. United℠ Credit Cards

• Redeem points for 1.35-1.5 cents each to pay back the following charges:
• Annual Fee: Through 12/31/26

Redeem points for 1 cent each to pay back the following charges:

• United flight purchases of $50+: Through 12/31/26

Eligible categories differ by United card.

Current Eligible Charities

Pay Yourself Back currently applies to donations made to organizations including:

• American Red Cross
• American Heart Association
• Feeding America
• Habitat for Humanity
• International Rescue Committee
• Make-A-Wish America
• UNICEF USA
• United Way
• World Central Kitchen
• NAACP Legal Defense and Education Fund
• National Urban League
• GLSEN
• Equal Justice Initiative
• International Medical Corps
• Leadership Conference Education Fund
• Thurgood Marshall College Fund
• United Negro College Fund
• Alzheimer’s Association
• SAGE
• Out & Equal Workplace Advocates

Most Q3 categories remain available through September 30, 2026, though only purchases made within the previous 90 days generally qualify for redemption.

How to Activate Green Dot Card Online: Official Website, App Process and Full Guide

How to Use Chase Pay Yourself Back?

1. Log in to your Chase account.

2. Open the Ultimate Rewards portal.

3. Select Pay Yourself Back.

4. Review eligible purchases made within the last 90 days.

5. Choose the amount of points to redeem.

6. Receive a statement credit that offsets all or part of the purchase.

How to Request a Chase Pay Yourself Back Statement Credit?

1. Sign in to your Chase account on the Chase website or mobile app.

2. Select your eligible Chase credit card (such as Sapphire, Freedom, or Ink).

3. Open the Ultimate Rewards or Rewards Dashboard.

4. Click or tap “Pay Yourself Back.”

5. Chase will automatically display eligible purchases made within the last 90 days that qualify for Pay Yourself Back.

6. Select the purchase(s) you want to redeem points against.

7. Choose whether to:

• Cover the entire purchase, or
  Redeem enough points to cover only part of the purchase.

8. Review the redemption details.

9. Click “Use Your Points” to submit your request.

When will you receive the statement credit?

The statement credit is typically posted to your account within up to 3 business days.

It may take 1–2 billing cycles to appear on your monthly statement.

Is Pay Yourself Back Worth It?

The answer depends on how you typically use your Ultimate Rewards points. This is a really good way to cash out your Chase points for everyday spending that can save you money right away, even if you’re sitting on a huge balance and don’t plan to take a trip soon.

For example, you can use Chase points to redeem towards the cost of gas, public transit, and the annual fee for one of your cards, effectively getting cash back without having to take a trip first. Frequent flyers might still do better to transfer their Ultimate Rewards points over to Chase’s airline and hotel partners.

You don’t want to confuse this program with the Chase Freedom credit cards and the Quarterly 5% cash back that Chase is offering, because it’s different. Chase Freedom and Chase Freedom Flex cardholders, for instance, will be able to earn 5% on spending at gas stations and EV charging, public transit and live entertainment, as well as United Way donations through Sept. 30, 2026, on up to $1,500 in combined spending per quarter in the categories (with 1% on other purchases; bonus categories require activation).