Chase Pay Yourself Back Program Details

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The Chase Pay Yourself Back Program is a fantastic way to earn rewards on your purchases. This program allows you to earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter.

To qualify for the program, you'll need to activate it each quarter and make purchases in the designated categories. The categories change every quarter, so be sure to check the Chase website for the latest information.

You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories, and then 1% cash back on all other purchases. This means you can earn a total of $75 in cash back rewards per quarter.

Eligibility and Refund

To use Chase Pay Yourself Back, you'll need to have one of the eligible Chase credit cards. These cards include the Chase Sapphire Reserve, Chase Sapphire Preferred, Ink Business Preferred, Ink Business Cash, and Freedom-branded cards.

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Eligible cards for Pay Yourself Back redemption include the Chase Sapphire Reserve, Chase Sapphire Preferred, Ink Business Preferred, and Ink Business Cash, while Freedom-branded cards like the Chase Freedom Flex can use Pay Yourself Back for eligible charitable donations.

Cardholders can also use Pay Yourself Back to offset gas and grocery purchases made through September 30, 2023, and charity donations made through December 31, 2023.

Eligible Cards for Back

If you're wondering which Chase cards are eligible for the Pay Yourself Back feature, you're in luck because it's available on several popular cards.

The Chase Sapphire Reserve, Chase Sapphire Preferred, Ink Business Preferred, and Ink Business Cash cards are all eligible for Pay Yourself Back.

You can also use Pay Yourself Back for eligible charitable donations with Freedom-branded cards, such as the Chase Freedom Flex.

If you have a United card, you can use miles toward the card's annual fee at a rate of 1.5 cents or 1.75 cents per mile, depending on the card.

Here are some of the eligible cards for Pay Yourself Back:

  • Chase Sapphire Reserve
  • Chase Sapphire Preferred
  • Ink Business Preferred Credit Card
  • Ink Business Cash Credit Card
  • Chase Freedom Flex
  • United cards (for annual fee redemption)

For eligible charitable donations, you'll get a redemption rate of 1.25 cents per point through December 31, 2023.

Eligible Purchases for Refund

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You can use Pay Yourself Back to offset gas and grocery purchases made through Sept. 30, 2023, and charity donations made through Dec. 31, 2023.

Transactions made at gas stations are eligible for Pay Yourself Back, and cardholders can redeem points for purchases made at these locations.

Grocery store purchases are also eligible, including eligible delivery services, and cardholders can redeem points for these purchases.

The list of charitable organizations eligible for Pay Yourself Back includes American Red Cross, Equal Justice Initiative, and many others.

Here's a list of eligible charitable organizations:

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

Only transactions made within the prior 90 days will qualify for Pay Yourself Back.

Understanding the Program

Pay Yourself Back is a temporary redemption option for Chase Sapphire- and Ink-branded cardholders.

It allows you to redeem Ultimate Rewards points to offset eligible purchases at an elevated rate, typically one cent per point, compared to the usual rate.

Eligible purchase categories vary depending on your Chase credit card.

You can transfer points between Chase accounts to take advantage of the different categories offered on different cards.

Rewards and Benefits

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You can combine points from different Chase cards to boost your Pay Yourself Back earnings.

If you have a Chase Sapphire card and a Chase cash-back card like the Chase Freedom, you can transfer points to get more out of Pay Yourself Back.

The Chase Freedom offers 5% cash back on select quarterly categories, which can be transferred to your Sapphire card's balance.

With combined points, you'll have even more points to use for Pay Yourself Back.

Setup and Updates

To set up Chase Payment Method Updater, you can follow these steps through the Zuora UI. Click your username at the top right, and navigate to Settings > Payments > Set Up Payment Method Updater.

You'll need to select Chase from the Updater Type list and click add payment method updater. This will take you to the Basic information area where you'll configure the necessary details.

In the Credentials area, you'll need to configure the required information. In the Updater services area, select the updater services that you want to use. You should also configure the Rules area according to your needs.

It's recommended that you set up only one Chase PMU.

Setup Method Update

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Setting up a Payment Method Updater is a straightforward process that can be completed through the Zuora UI. You can access it by clicking your username at the top right and navigating to Settings > Payments > Set Up Payment Method Updater.

To set up Chase PMU, you'll need to select Chase from the Updater Type list and click add payment method updater. This will bring up a series of configuration steps that you'll need to complete.

In the Basic information area, you'll need to configure some basic details. In the Credentials area, you'll need to enter your Chase credentials. Be sure to enter the correct credentials, as incorrect information may cause issues with the updater.

You can select multiple updater services in the Updater services area, but it's recommended that you set up only one Chase PMU. This will help prevent any potential conflicts.

Here are the steps to set up a Chase PMU in a concise format:

  1. Click your username at the top right and navigate to Settings > Payments > Set Up Payment Method Updater.
  2. Select Chase from the Updater Type list and click add payment method updater.
  3. Configure the Basic information, Credentials, Updater services, and Rules areas.
  4. Click save updater information to save configurations.

Over Time

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If you're a Chase cardholder, you might be interested in Chase Pay Over Time, a buy now, pay later scheme that lets you break up purchases into manageable chunks.

This option is available for eligible card members making transactions of at least $100, excluding cash-like transactions, fees, and purchases made under a special finance program.

You can also use Chase Pay Over Time for purchases of at least $50 made at amazon.com.

Generally, these plans don't carry interest, and if you're eligible, you can initiate one without paying added fees.

Kroger Adds Mobile

Kroger is now accepting mobile payments through Chase Pay, the digital wallet offered by JPMorgan Chase & Co.

This marks Kroger's first foray into mobile payments, a move that's part of its sweeping Restock Kroger Plan to transform customer experiences and drive cost out of its business.

Kroger hopes to roll out Chase Pay to about 600 stores next year, allowing customers to save time and money using the app at checkout.

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Chase Pay uses a barcode that will enable Kroger to roll it out to stores without deploying additional technology.

Kroger's chief information officer, Chris Hjelm, sees mobile wallets as a way to drive cost out of its business and deliver a seamless shopping experience for customers.

The agreement with Chase is a significant win for customers who shop at Kroger frequently, as it will allow them to save time and money using Chase Pay.

Kroger is one of the top retailers in the country, and partnering with Chase will deliver more value to both the retailer and its customers, according to Jennifer Roberts, head of digital products at Chase.

Frequently Asked Questions

What is a Chase pay?

Chase Pay is a digital wallet that allows customers to make payments with their smartphone in stores and online. It's a convenient way to store payment information for quicker transactions.

Is Chase QuickPay safe?

Chase QuickPay with Zelle is a secure service, keeping your and the recipient's account information private. Transactions are protected with end-to-end encryption

Timothy Gutkowski-Stoltenberg

Senior Writer

Timothy Gutkowski-Stoltenberg is a seasoned writer with a passion for crafting engaging content. With a keen eye for detail and a knack for storytelling, he has established himself as a versatile and reliable voice in the industry. His writing portfolio showcases a breadth of expertise, with a particular focus on the freight market trends.

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