chase sapphire reserve
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Back in May, Chase started allowing Chase Sapphire Reserve and Chase Sapphire Preferred cardholders  to “Pay Themselves Back.”  This works very similar to the “Purchase Eraser” feature you may already be familiar with on other cards.

Chase Sapphire Reserve

How Does Chase “Pay Yourself Back” Work?

People with Chase Sapphire Reserve and Chase Sapphire Preferred cards have always been able to use their points to book travel via the travel portal where they get 1.5 cents per point in value with the Reserve and 1.25 cents per point with the Preferred.

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Originally, Chase had announced that through September 30th, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points.

You get the same 1.5 cents per point in value with the Reserve and 1.25 cents per point with the Preferred as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase.

As an example, if you spend $150 at a restaurant and you have the Chase Sapphire Reserve. you could spend 10,000 Chase Ultimate Rewards points to erase that purchase within 90 days.


Chase “Pay Yourself Back” Appears Here to Stay

Mark Ostermann at Miles to Memories reports that he has spoken with Chase Public Relations and they have told him this will become a permanent feature (it’s a bit unclear if this is “permanent as long as the pandemic stifles travel” or “permanent”). He learned of this via a Facebook group called Travel Rewards Warrior.


The only thing that may change is the categories that you can pay yourself back for. It would be interesting (though certainly not as easy or useful) if they rotated the categories quarterly like they do with the 5% bonus categories on the Chase Freedom.

It also may expand beyond the Sapphire family of cards.


Do you use Chase Pay Yourself Back? Will this influence keeping your Reserve or Preferred card?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

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.

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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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