Chase Adding “Pay Yourself Back” to More Cards

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Last updated on April 20th, 2023

The Chase “Pay Yourself Back” program is a popular COVID-19 addition to Chase Ultimate Rewards. At the launch, only Chase Sapphire cardholders were eligible for the program. Now Chase is adding more credit cards to the mix. Here’s what you need to know about the new lineup of credit cards for the Chase “Pay Yourself Back” program.

New Cards Added to “Pay Yourself Back”

The Chase Ink Business credit cards will both become eligible for the “Pay Yourself Back” program.  These cards include the Chase Ink Business Preferred. The Ink Business Card will also come with a unique, limited-time-only bonus:

  • Through October 31, 2020, cardholders can earn 5X Ultimate Rewards points on shipping and select social media or SEM (search engine marketing) advertisements. This bonus is for the first $10,000 of spending in those categories only.

The Chase Freedom credit cards will also join the Sapphire and Ink Business cards as eligible for “Pay Yourself Back” beginning in October. These include the new Chase Freedom Flex (which replaces the Chase Freedom) and the Chase Freedom Unlimited.

Related Article: New Freedom Flex Card From Chase Now Live

What Is Chase “Pay Yourself Back?”

The “Pay Yourself Back” program launched in May of this year. Initially, Chase Sapphire Reserve and Chase Sapphire Preferred cardholders could use Chase Ultimate Rewards points towards statement credits for select purchases. These select purchases include:

  • Dining
  • Groceries
  • Home Improvement Stores

The goal of the program is to assist Chase cardholders during the COVID-19 pandemic. The success of the program, and customer requests, led to the expansion of the program several weeks later.

In mid-June, Chase began offering charitable donations as a “Pay Yourself Back” option, with eligible charities including:

  • Feeding America
  • World Central Kitchen
  • Habitat for Humanity
  • Equal Justice Initiative
  • Leadership Conference Education Fund
  • NAACP Legal Defense and Educational Fund
  • National Urban League
  • Thurgood Marshall College Fund
  • United Negro College Fund
  • International Medical Corps
  • American Red Cross
  • United Way

The program was originally set to end in October of 2020. Since more cards are being added to “Pay Yourself Back,” however, expect the promotion to continue for the foreseeable future.

At-Home Perks and COVID-19

The trend of “at home” features during the coronavirus is ongoing – and popular. American Express led the way with its free premium subscription to Calm for all cardholders. Citi, for its part, introduced several new redemption options for ThankYou points, including charitable donations and paying minimum balances due on Citibank credit cards.

Related Article: American Express Extending Lifestyle Benefits Post COVID-19

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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