chase pay yourself back
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Yesterday, we got the changes to Chase’s Pay Yourself Back for the consumer cards – namely the Sapphires.

Those categories were a definite downgrade from what was on offer through yesterday.

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

On the business card side, today sees a small improvement.

  • Chase Ink Business Preferred and Ink Plus (legacy card product)
    • Updated categories starting October 1 – Dec. 31, 2021: Cardmembers who utilize Pay Yourself Back can continue to redeem points worth 25% more on eligible business expenses in the categories of: shipping, internet, cable and phone services and charitable contributions. New categories will also include: advertising purchases made with social media sites and search engines.
  • Chase Ink Business Cash, and Chase Ink Unlimited
    • Updated categories starting October 1 – Dec. 31, 2021: Cardmembers who utilize Pay Yourself Back can continue redeeming points worth 10% more on internet, cable and phone services, and worth 25% more when redeemed for eligible charitable contributions.

So, if you have the Chase Ink Business Preferredyou get the same categories worth 1.25 cents a point as previously, and adds advertising purchases made with social media sites and search engines.

Ink Cash and Ink Unlimited cardholders are only getting a 1.1 cent value on internet, cable and phone services.

Remember that if you also have a Chase Sapphire Reserve, you can always transfer the points over there and redeem for dining through March 2022.

Chase Sapphire PreferredChase Sapphire Preferred Earn 60,000 bonus Ultimate Rewards points (worth up to $750 or more!) when you spend $4,000 in 3 months. How to apply for this offer.


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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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