Is Chase “Pay Yourself Back” Ending?

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Last updated on April 21st, 2023

It appears that Chase’s “Pay Yourself Back” program will change after April 30, 2021.  The popular program allows cardholders to use Chase Ultimate Rewards points to offset purchases in select categories via statement credits. Here is what you need to know about the “Pay Yourself Back” program possibly coming to an end this year.

Chase Ending “Pay Yourself Back” After April?

Chase’s “Pay Yourself Back” program appears to be ending. The bank previously mentioned that the popular program would end on April 30, 2021, but many speculated that Chase would eventually extend it indefinitely. That, however, is seemingly not the case.

A recent report from the industry site Doctor of Credit indicates that Chase is ending the current “Pay Yourself Back” statement credit categories on April 30, 2021. A screenshot from a reader shows that eligible “Pay Yourself Back” transactions do not have their typical 90-day expiration window. Instead, all eligible transactions have an end date of April 30.

BestCards staff with eligible Chase credit cards have confirmed this report.

What Is Chase “Pay Yourself Back?”

The “Pay Yourself Back” program launched in May of 2020. Initially, Chase Sapphire Reserve and Chase Sapphire Preferred cardholders could use Chase Ultimate Rewards points towards statement credits for select purchases. These select purchase categories include:

  • Dining
  • Groceries
  • Home Improvement Stores

The primary goal of the program is to assist Chase’s cardholders during the COVID-19 pandemic. The program was successful, resulting in Chase extending it to other cards, including the Chase Ink Business Preferred, Chase Freedom Flex, and the Chase Freedom Unlimited.

Will Chase Renew the Program?

The ending of the current “Pay Yourself Back” categories doesn’t mean the program’s end, necessarily. Many credit card issuers are extending COVID-19 perks indefinitely or even rolling them out as permanent features of their card lineups.

Chase will most likely update the program with new categories from May. Still, those hoping to get excellent value for their Ultimate Rewards points should consider opting for the current Grocery and Dining category credits before the April 30th deadline.

Related Article: Chase Adds Charities to “Pay Yourself Back” Program

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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