Chase Q4 2026 Pay Yourself Back Categories and Redemption Rates

Chase Pay Yourself Back Q4 2026 Categories

Chase has shared its Q4 2026 Pay Yourself Back categories for both Chase-branded and co-branded cards.

Pay Yourself Back lets cardholders redeem points or miles for statement credits against eligible purchases made within the previous 90 days. For Q4, the best values are still concentrated on Sapphire Reserve and JPMorgan Reserve, while several co-branded cards continue to offer annual fee redemptions and select travel-related categories.

For Sapphire Reserve and JPMorgan Reserve, cardholders can get up to 1.50 cents per point for qualifying charities, 1.25 cents per point toward the annual fee, 1.20 cents per point at department stores, and 1.15 cents per point at grocery stores and wholesale clubs, excluding Target and Walmart, through December 31, 2026.

Chase Branded Cards

• Sapphire Preferred
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for qualifying charities through December 31, 2026 (subject to change).
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.10 cents per point for their annual fee through December 31, 2026 (subject to change).   
• Sapphire Reserve
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.50 cents per point for qualifying charities through December 31, 2026 (subject to change)
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for their annual fee through December 31, 2026 (subject to change).
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.20 cents per point for their purchases with department stores through December 31, 2026.
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.15 cents per point for purchases with wholesale clubs and groceries (excluding Target and Walmart) through December 31, 2026.   

• JPMorgan Reserve
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.50 cents per point for qualifying charities through December 31, 2026 (subject to change).
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for their annual fee through December 31, 2026 (subject to change).
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.20 cents per point for their purchases with department stores through December 31, 2026. 
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.15 cents per point for purchases with wholesale clubs and groceries (excluding Target and Walmart) through December 31, 2026.    

• Freedom 
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for qualifying charities through December 31, 2026 (subject to change).

• Ink (includes Ink Plus, Ink Cash, Ink Business Cash, Ink Business Unlimited, Ink Business Premier, Ink Business Preferred) 
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for qualifying charities through December 31, 2026 (subject to change).

• Chase Sapphire Reserve for Business 
  • Cardmembers who utilize Pay Yourself Back can redeem points at 1.25 cents per point for qualifying charities through December 31, 2026 (subject to change).
• Eligible charities include Alzheimer’s Association, American Heart Association, American Red Cross, Equal Justice Initiative, Feeding America, GLSEN, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, Make-A-Wish America, NAACP Legal Defense and Education Fund, National Urban League, Out and Equal Workplace Advocates, SAGE, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way and World Central Kitchen. 

Co-Brand Cards

• Marriott Bonvoy Bold Card
  • Marriott Bonvoy Bold cardmembers can redeem points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy®, up to $750 total in redemptions per year.   

• United Family of Cards from Chase: Cardmembers who utilize Pay Yourself Back can redeem miles for 1.35 cents to 1.50 cents per mile (based upon United product) for annual fee statement credits. Cardmembers can also utilize Pay Yourself Back to redeem miles for 1 cent per mile (for all United Card products) for purchases of $50 or more in the United airfare purchase category. Purchases include United airfare tickets purchased on United.com or the United mobile app using a United MileagePlus Credit Card. Flights purchased through any other source, such as United General Reservations, United Vacations, travel agencies or other travel websites, are not eligible.
• Southwest Rapid Rewards® Consumer Credit Cards  
  • Southwest Rapid Rewards Consumer Credit Cardmembers can use Rapid Rewards® points to cover their annual fee at any time during the calendar year. Redemption requests must be made within 90 days of the annual fee transaction date found on your statement.      
• Southwest Rapid Rewards® Business Credit Cards
  • Southwest Rapid Rewards Business Credit Cardmembers can use Rapid Rewards® points to cover their annual fee at any time during the calendar year. Redemption requests must be made within 90 days of the annual fee transaction date found on your statement.
• Disney® Inspire Visa® Card
  • Redeem Rewards Dollars for a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites including DisneyStore.com, DisneyPlus.com, Hulu.com, and Plus.ESPN.com. Cardmembers can also redeem Rewards Dollars toward airline purchases including tickets on any airline to any destination with no block-out dates. 
  • When using Pay Yourself Back®:
    • Redeem on Chase.com within 90 days of purchase 
    • Do not load your Disney Rewards Dollars to a Disney Rewards Redemption Card
    • Disney Rewards Dollars will be deducted directly from your account 
• Disney® Premier Visa® Card
  • Redeem Rewards Dollars for a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites including DisneyStore.com, DisneyPlus.com, Hulu.com, and Plus.ESPN.com. Cardmembers can also redeem Rewards Dollars toward airline purchases including tickets on any airline to any destination with no block-out dates.
  • When using Pay Yourself Back®:
    • Redeem on Chase.com within 90 days of purchase 
    • Do not load your Disney Rewards Dollars to a Disney Rewards Redemption Card
    • Disney Rewards Dollars will be deducted directly from your account
• Disney® Visa® Card
  • Redeem Rewards Dollars for a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites including DisneyStore.com, DisneyPlus.com, Hulu.com, and Plus.ESPN.com.
  • When using Pay Yourself Back®:
    • Redeem on Chase.com within 90 days of purchase 
    • Do not load your Disney Rewards Dollars to a Disney Rewards Redemption Card
    • Disney Rewards Dollars will be deducted directly from your account
• The Chase Air Canada Aeroplan® Card: Aeroplan® points may be redeemed for a statement credit using Pay Yourself Back for purchases made at select merchants within the 90 days before the redemption request date.  Redemptions using Pay Yourself Back against the following purchases made with your credit card will qualify: travel purchases and the prior payment of your annual fee. Each point you redeem through Pay Yourself Back for a statement credit towards qualifying travel purchases (up to 200,000 points or $2,500 annually) is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value. For a limited time, each point you redeem toward the prior payment of your annual fee is worth $.02 (2 cents), which means that 100 points equals $2 in redemption value.

Pay Yourself Back may also run promotional categories from time to time. Each point you redeem through Pay Yourself Back for a statement credit towards qualifying purchases in promotional categories will also be worth $.008, which means that 100 points equals $.80 in redemption value.