chase pay yourself back
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While we’d previously been aware that Chase was extending the Pay Yourself Back feature (where you can cash in your points on a Chase Sapphire Preferred or Sapphire Reserve card in select categories at the same rate as using the travel portal), we weren’t sure if there would be new categories after April 30th, 2021.

Many people really like the ability to use PYB for groceries and dining, and many have been making plans to spend their points this way before April 30th.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

That won’t be necessary now, though, as Chase is extending all of the existing Pay Yourself Back categories through September 30th, 2021. This extension will also apply to the ability to redeem at the higher rate for Chase Dining.

As well, you can still use your $300 annual travel credit towards gas station and grocery store purchases in addition to travel purchases through the end of 2021.

Below is the release from Chase:

  • Pay Yourself Back extending existing categories through September 30, 2021: Points are worth 25% or 50% more when redeemed for statement credits after using your card at grocery stores and dining at restaurants (including takeout and eligible delivery services) home improvement stores, and select charitable organizations.
  • Chase Sapphire Reserve $300 travel credit flexibility extending through December 31, 2021: Extending through the end of the year, gas station and grocery store purchases will continue to count toward earning the Sapphire Reserve Travel Credit.
  • Chase Dining redemptions worth 25% or 50% extending through September 30, 2021: Points are worth 25% or 50% more when Sapphire cardmembers redeem for purchases with Chase Dining – this includes takeout, pre-paid reservations, and more.  And as a reminder, Sapphire cardmembers can also earn 10x total points on purchases through Chase Dining in Ultimate Rewards up to $500 (through June 30, 2021) 


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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


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