19 Best Credit Cards to Maximize Chase Pay Yourself Back

Jodie Price

By Jodie Price | Updated November 10, 2025

Chase Pay Yourself Back gives cardholders a flexible way to turn points into statement credits for everyday purchases. With the right Chase credit card, rewards can stretch further across travel, dining, business expenses, and select rotating categories. This list of 19 cards highlights the best options for maximizing earning potential and redemption value.

  • Chase Sapphire Reserve®

    The Chase Sapphire Reserve® is designed for frequent travelers who want strong rewards and flexible redemption choices. It pairs premium travel perks with a simple way to earn points on everyday spending.

    Cardholders can take advantage of a wide set of travel protections and credits. The card also connects well with Chase’s Pay Yourself Back feature, giving more value when points are redeemed for select categories.

    Earning Structure:

    • 8x points on all purchases through Chase Travel, including The Edit℠
    • 4x points on flights booked direct
    • 4x points on hotels booked direct
    • 3x points on dining worldwide
    • 1x points on all other purchases

    Welcome Bonus:

    The card offers 125,000 bonus points for new cardholders after spending $6,000 in the first three months of joining.

    Card Details:

    • Annual fee: $795
    • APR: 20.24%–28.74% variable
    • Other benefits: $300 annual travel credit, Priority Pass lounge access, travel protections
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong travel credits that are easy to use
    • High earning rates on dining and travel
    • Access to airport lounges worldwide
    • Flexible redemption through Chase Ultimate Rewards
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for travel, cash back, or transfers to partners. With Pay Yourself Back, they are worth up to 1.5 cents for select charities and 1.25 cents for everyday categories through September 30, 2025.

    Credit Requirements:

    Applicants generally need good to excellent credit, often a score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for those who do not travel often.

    Why it Works for Beginners:

    It provides simple earning categories and flexible redemptions, making it easier for new cardholders to maximize rewards.

  • Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred® Card is a travel rewards card that offers flexible points and solid value for everyday spending. It is designed for people who want to earn rewards they can use for travel, dining, and more.

    This card focuses on rewarding common purchases while also giving access to useful travel protections. It provides a balance between affordability and valuable perks.

    Earning Structure:

    • 5x points on travel purchased through Chase Ultimate Rewards
    • 3x points on dining, select streaming services, and online grocery purchases
    • 2x points on other travel purchases
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 75,000 bonus points after spending $5,000 within the first three months.

    Card Details:

    • Annual fee: $95
    • APR: 19.99%–28.24% variable
    • Other benefits: Travel protection, purchase coverage, extended warranty
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flexible redemption through Chase Ultimate Rewards
    • Transfer points to airline and hotel partners
    • Travel and purchase protection coverage
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations and 1.1 cents each toward annual fees (through September 30, 2025).

    Credit Requirements:

    Good to excellent credit is recommended (typically FICO 670–850).

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee and may not be the best fit for those who prefer flat-rate cash back.

    Why it Works for Beginners:

    It offers simple earning categories and flexible redemption options, making it easy for new cardholders to maximize rewards.

  • Sapphire Reserve for Business℠

    The Sapphire Reserve for Business℠ is a premium business credit card designed for companies that want strong travel rewards and flexible redemption options. It combines luxury travel perks with practical features that can support everyday business spending.

    Unlike many business cards, it offers premium credits and high-value points that can be redeemed in several ways. It caters to business owners who want both rewards and travel benefits in one card.

    Earning Structure:

    • 8x points on purchases through Chase Travel, including The Edit
    • 5x total points on Lyft rides through 9/30/27
    • 4x points on flights and hotels booked directly
    • 3x points on social media and search engine advertising
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 200,000 bonus points after spending $30,000 in the first six months of account opening.

    Card Details:

    • Annual fee: $795
    • APR: 18.49%–26.49% variable
    • Other benefits: $300 annual travel credit, premium travel protections, business credits
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High-value travel credits
    • Flexible point redemption options
    • Strong travel protections
    • Premium business perks
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed through Chase Pay Yourself Back, Chase Travel℠, or transferred to airline and hotel partners. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants are recommended to have excellent credit (a FICO score of at least 740) for the best chance of approval.

    Spending Limitations / Potential Drawbacks:

    Employee cards cannot be upgraded to enhanced versions with added benefits.

    Why it Works for Beginners:

    It provides straightforward earning categories and simple redemption options that are easy for new cardholders to use.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a versatile rewards card that works well for everyday spending. It offers simple earning categories that make it easy to collect rewards without tracking too many details.

    Cardholders can use it as a primary card or pair it with other Chase cards to boost point value. Its flexible redemption options make it appealing to both beginners and experienced users.

    Earning Structure:

    • 5% cash back on travel purchased through Chase Travel℠
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
    • 1.5% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn $200 cash back after spending $500 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically around 18.99%–28.49%
    • Other benefits: Purchase protection, extended warranty, travel protections
    • Network: Visa
    • Type: Credit card
    • Foreign transaction fees: 3%
    • Redemption flexibility: Cash back, travel, gift cards, statement credits

    Key Benefits:

    • No annual fee to maintain the card
    • Broad earning categories for daily purchases
    • Ability to pool points with premium Chase cards
    • Purchase and travel protections included
    • Simple flat-rate 1.5x on non-bonus spending

    Redemption Options:

    Rewards can be redeemed for cash back, travel through Chase Ultimate Rewards, gift cards, or statement credits. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score starting at 670.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees, which makes it less ideal for international travel.

    Why it Works for Beginners:

    It offers simple earning rates and no annual fee, making it easy for new users to manage.

  • Chase Freedom Flex®

    The Chase Freedom Flex® is a cash back credit card designed for people who want flexible rewards on everyday spending. It offers rotating bonus categories that change every quarter, giving cardholders the chance to earn higher cash back in popular areas.

    It also provides consistent rewards in certain spending categories, making it useful even outside the rotating bonuses. The card works well on its own but can be paired with other Chase cards for more value.

    Earning Structure:

    • 5% cash back on rotating quarterly categories (activation required)
    • 5% on travel purchased through Chase Ultimate Rewards
    • 3% on dining, including takeout and delivery
    • 3% on drugstore purchases
    • 1% on all other purchases

    Welcome Bonus:

    New cardholders can earn a $200 bonus after spending $500 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 18.99%–28.49% variable
    • Other benefits: Purchase protection, extended warranty, cell phone protection
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: 3%
    • Additional perks: Access to rotating 5% categories

    Key Benefits:

    • No annual fee to maintain the card
    • Strong bonus categories for everyday spending
    • Useful protections like extended warranty and purchase coverage
    • Ability to pair with other Chase cards for more value

    Redemption Options:

    Rewards can be redeemed for statement credits, direct deposits, gift cards, or travel through Chase Ultimate Rewards. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants typically need good to excellent credit, often around a 670+ score.

    Spending Limitations / Potential Drawbacks:

    Rotating categories require activation and can be less predictable for consistent spending.

    Why it Works for Beginners:

    It offers simple cash back rewards with no annual fee, making it easy for new cardholders to manage.

  • Chase Freedom Rise®

    The Chase Freedom Rise® is designed for people who are new to credit. It helps users build a positive credit history while still earning rewards on everyday purchases. This card offers a simple structure that makes it easy to use. It focuses on accessibility, making it a practical choice for first-time cardholders.

    Earning Structure:

    • Earn 1.5% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a $25 statement credit after signing up for automatic payments in the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: 25.99% variable
    • Other benefits: Free credit score access, automatic credit line review
    • Network: Visa
    • Type: Cash back
    • Foreign transaction fees: 3%
    • Additional notes: Designed for limited or no credit history

    Key Benefits:

    • No annual fee to maintain the card
    • Flat-rate cash back on all spending
    • Helps build credit history with responsible use
    • Access to Chase Ultimate Rewards® portal
    • Automatic review for potential credit line increases

    Redemption Options:

    Cardholders can redeem rewards for statement credits, direct deposits, travel through Chase Ultimate Rewards®, or gift cards. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants with no credit history may qualify, making it suitable for beginners.

    Spending Limitations / Potential Drawbacks:

    The card lacks bonus categories and charges foreign transaction fees, which may limit its value for frequent travelers.

    Why it Works for Beginners:

    It provides a simple way to earn rewards while building credit, making it a good starting point for new cardholders.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn strong rewards on everyday expenses. It focuses on categories that are common for many businesses, making it a practical choice.

    This card also gives access to valuable redemption options through Chase, including Pay Yourself Back. It works well for those who want to manage business spending while earning flexible rewards.

    Earning Structure:

    • 3x points on travel, shipping, internet, cable, phone services, and advertising purchases
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 90,000 bonus points after spending $8,000 within the first three months of card membership.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 20.24%–26.24%
    • Other benefits: Cell phone protection, purchase protection, extended warranty
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High points rate on common business categories
    • Flexible redemption through Chase Ultimate Rewards
    • Strong travel protections
    • Cell phone insurance included
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for Pay Yourself Back, travel through Chase, gift cards, or cash back. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The bonus categories have a yearly cap, and spending beyond that cap only earns 1x points.

    Why it Works for Beginners:

    It offers clear earning categories and easy redemption options, making it simple for new business owners to maximize rewards.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card offers simple rewards for small business owners. It provides a flat cash back rate on every purchase, making it easy to track earnings. This card is built for businesses that prefer a straightforward rewards system. It removes the need to manage bonus categories or spending caps.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase

    Welcome Bonus:

    New cardholders can earn a $750 bonus cash back after spending $6,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 17.49%–23.49%
    • Other benefits: Purchase protection, extended warranty, employee cards at no extra cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Free access to business management tools

    Key Benefits:

    • No annual fee to maintain the card
    • Flat-rate rewards on all purchases
    • Ability to combine points with other Chase cards
    • Employee cards at no extra cost
    • Purchase protection on eligible items

    Redemption Options:

    Rewards can be redeemed as cash back, gift cards, or travel through Chase Ultimate Rewards®. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants typically need good to excellent credit (FICO score of at least 670) to qualify.

    Spending Limitations / Potential Drawbacks:

    Foreign transaction fees and no bonus categories may limit value for some users.

    Why it Works for Beginners:

    The simple earning structure makes it easy for new business owners to earn rewards without tracking categories.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is designed for small business owners who want to earn strong rewards in everyday categories. It focuses on practical spending areas that most businesses already use.

    This card offers flexible redemption options, which makes it appealing to those who want value beyond simple cash back. It pairs well with other Chase cards for added reward potential.

    Earning Structure:

    • 5x points on internet, cable, and phone services
    • 5x points at office supply stores
    • 2x points at gas stations and restaurants
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn $350 after spending $3,000 in the first three months plus $400 after spending $6,000 in the first six months of card membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–25.49% variable
    • Other benefits: Purchase protection, extended warranty, employee cards at no additional cost
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Chase business tools and account management features

    Key Benefits:

    • No annual fee to maintain the card
    • High rewards on common business expenses
    • Employee cards available for free
    • Flexible redemption through Chase Ultimate Rewards
    • Strong pairing potential with other Chase cards

    Redemption Options:

    Rewards can be redeemed for cash back, gift cards, travel through Chase Ultimate Rewards, or Pay Yourself Back categories. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants need good to excellent credit, with a FICO score starting at 670, to qualify.

    Spending Limitations / Potential Drawbacks:

    The 5x rewards categories have a yearly cap, and foreign transaction fees may limit its use abroad.

    Why it Works for Beginners:

    It offers simple rewards, no annual fee, and easy redemption, making it beginner-friendly for small business owners.

  • Ink Business Premier® Credit Card

    The Ink Business Premier® Credit Card is designed for business owners who want simple cash back rewards on everyday expenses. It focuses on high-value earning for large purchases and travel booked through Chase.

    This card emphasizes flexibility, making it useful for companies with varying spending patterns. It offers easy redemption options that work well with Chase’s Pay Yourself Back feature.

    Earning Structure:

    • 2.5% cash back on purchases of $5,000 or more
    • 2% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn a $1,000 bonus cash back after spending $10,000 within the first three months of membership.

    Card Details:

    • Annual fee: $195
    • APR: Variable, typically 18.49%–26.49%
    • Other benefits: Purchase protection, extended warranty, travel protections
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High cash back on large purchases
    • Strong return on travel booked through Chase
    • No foreign transaction fees
    • Business-focused protections and coverage

    Redemption Options:

    Rewards can be redeemed for statement credits, travel through Chase Travel, or with Pay Yourself Back for select categories. Through Pay Yourself Back, points are worth 1.25 cents each for select charity donations through September 30, 2025.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee, and rewards cannot be transferred to Chase Ultimate Rewards partners.

    Why it Works for Beginners:

    It offers simple cash back earning without complex reward categories, making it easy for new business owners to manage.

  • Aeroplan® Credit Card

    The Aeroplan® Credit Card is issued by Chase in partnership with Air Canada. It is designed for travelers who want to earn Aeroplan points through everyday spending.

    This card ties directly to the Aeroplan program, making it useful for those who frequently fly with Air Canada or its partners. It also offers travel-related benefits that can add value beyond the points earned.

    Earning Structure:

    • 3x points on dining, takeout, and eligible delivery services
    • 3x points on groceries
    • 3x points on Air Canada purchases
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 75,000 bonus points after spending $4,000 in the first three months of joining.

    Card Details:

    • Annual fee: $95
    • APR: Variable, typically 20.49%–28.99%
    • Other benefits: Free first checked bag on Air Canada flights, preferred pricing on flight rewards
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Strong earning rates on dining, groceries, and Air Canada purchases
    • No foreign transaction fees
    • Free checked bag for the cardholder and companions
    • Access to preferred pricing on Aeroplan flight rewards

    Redemption Options:

    Points can be redeemed for flights with Air Canada and Star Alliance partners, as well as upgrades and other travel rewards. Through Pay Yourself Back, points are worth 1.25 cents each for travel purchases and annual fees, and 0.8 cents each for select home improvement stores, gas stations, department stores, and select utilities.

    Credit Requirements:

    Applicants generally need a good to excellent score, often a FICO score of 670, to qualify.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for those who fly with Air Canada or its partners, limiting its appeal to travelers who prefer other airlines.

    Why it Works for Beginners:

    It provides simple earning categories and straightforward redemption options, making it easier for new cardholders to maximize rewards.

  • The New United℠ Explorer Card

    The New United℠ Explorer Card is designed for travelers who fly United Airlines often. It provides benefits that make trips smoother and more rewarding. Cardholders can enjoy perks tied directly to United flights, and MileagePlus members gain extra value from the card. It focuses on travel convenience and rewards for frequent flyers.

    Earning Structure:

    • 2x miles on United purchases
    • 2x miles on dining
    • 2x miles on hotel stays booked directly
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 60,000 bonus miles after spending $3,000 within the first three months of joining.

    Card Details:

    • Annual fee: $0 intro for the first year, then $150 after
    • APR: 20.49%–28.99% variable
    • Other benefits: Free first checked bag, priority boarding, two United Club passes each year
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Free checked bag on United flights
    • Priority boarding privileges
    • Two annual United Club passes
    • No foreign transaction fees
    • Travel and purchase protections

    Redemption Options:

    Miles can be redeemed for United flights, partner airline flights, upgrades, and other MileagePlus program rewards. With Pay Yourself Back, miles are valued at 1.35 to 1.5 cents for the annual fee and 1 cent for eligible United airfare transactions of $50 or more.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for United flyers, so those who rarely use the airline may not benefit as much.

    Why it Works for Beginners:

    It offers simple earning categories and valuable travel perks that are easy for new cardholders to use.

  • The New United Quest℠ Card

    The New United Quest℠ Card is designed for travelers who fly United often and want more value from their purchases. It helps cardholders earn rewards quickly while also offering travel-focused perks.

    This card stands out with features that support both frequent flyers and those who take a few trips each year. It provides a mix of rewards, credits, and savings that can reduce the cost of travel.

    Earning Structure:

    • 8x miles per dollar spent on United flights
    • 5x miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts
    • 3x miles per dollar spent on all other United purchases
    • 2x miles per dollar spent on other travel purchases
    • 2x miles per dollar spent on dining and select streaming services
    • 1x mile per dollar spent on all other purchases

    Welcome Bonus:

    Earn 70,000 bonus miles and 1,000 PQP after spending $4,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $350
    • APR: 20.49%–28.99% variable
    • Other benefits: Statement credits, free checked bags, priority boarding
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Earn bonus miles on United purchases
    • Travel credits to offset fees
    • Free checked bags on United flights
    • Priority boarding privileges
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, hotel stays, rental cars, or other MileagePlus program options. Through Pay Yourself Back, miles are worth 1.35 to 1.5 cents each toward the annual fee and 1 cent each toward eligible United airfare transactions of $50 or more.

    Credit Requirements:

    Typically requires good to excellent credit, generally a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The annual fee may not be worth it for travelers who rarely fly United.

    Why it Works for Beginners:

    It offers straightforward earning categories and easy-to-use travel perks, making it beginner-friendly for those starting with airline cards.

  • The New United Club℠ Card

    The United Club℠ Card is designed for frequent United Airlines travelers who value premium perks. It focuses on travel benefits that enhance both the airport and in-flight experience, giving cardholders access to exclusive features tied to United’s loyalty program. Overall, it is best suited for those who fly often and want more than just basic airline rewards.

    Earning Structure:

    • 9x total miles on United flights: 5x miles on fare from United as a MileagePlus member, plus 4x miles on the entire United purchase with the United Club℠ Card (Premier® members earn more)
    • 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers when prepaid directly with the United Club℠ Card
    • 4x miles on all other eligible United purchases
    • 2x miles on dining and all other travel
    • 1x mile on all other purchases

    Welcome Bonus:

    Earn 80,000 bonus miles after spending $5,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $695
    • APR: 20.49%–28.99% variable
    • Other benefits: United Club membership, priority check-in, free first and second checked bags
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Premier Access travel services, expanded award availability

    Key Benefits:

    • Access to United Club airport lounges
    • Free checked bags on United flights
    • Priority boarding privileges
    • Increased award seat availability
    • Strong earning potential on United purchases

    Redemption Options:

    Miles can be redeemed for United flights, Star Alliance partner flights, upgrades, and other travel rewards through MileagePlus. Through Pay Yourself Back, miles are worth 1.35 to 1.5 cents each toward the annual fee and 1 cent each toward eligible United airfare transactions of $50 or more.

    Credit Requirements:

    Applicants typically need excellent credit to qualify, with a FICO score starting at 740.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for travelers who do not fly United frequently.

    Why it Works for Beginners:

    It provides straightforward earning and redemption options, making it easier for new travelers to see value quickly.

  • Marriott Bonvoy Bold® Credit Card

    The Marriott Bonvoy Bold® Credit Card is an entry-level hotel rewards card designed for travelers who want to earn points without ongoing costs. It provides a simple way to start building Marriott Bonvoy points while enjoying a few travel-related perks.

    This card is issued by Chase and links to the Marriott Bonvoy program. It focuses on rewarding hotel stays and everyday purchases with points that can be redeemed for travel.

    Earning Structure:

    • 10x points for Marriott Bonvoy membership
    • 3x points at Marriott Bonvoy hotels
    • 2x points at grocery stores
    • 2x points on rideshare and select food delivery
    • 2x points on streaming, internet, cable, and phone services
    • 1x point with Silver Elite Status

    Welcome Bonus:

    New cardholders can earn 30,000 bonus points after spending $1,000 in the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 19.99%–28.49% variable
    • Other benefits: Travel protections, purchase coverage
    • Network: Visa
    • Type: Hotel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Earn points on everyday spending
    • Automatic Silver Elite status with Marriott Bonvoy
    • No foreign transaction fees
    • Access to Marriott Bonvoy program perks

    Redemption Options:

    Points can be redeemed for free hotel nights, room upgrades, and transfers to airline partners. They can also be applied toward eligible travel purchases through Pay Yourself Back.

    Credit Requirements:

    Applicants generally need good to excellent credit (a FICO score of at least 670) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card offers fewer premium perks compared to higher-tier Marriott cards.

    Why it Works for Beginners:

    It provides a low-risk way to start earning hotel rewards without paying an annual fee.

  • Southwest Rapid Rewards® Priority Credit Card

    The Southwest Rapid Rewards® Priority Credit Card is designed for travelers who fly Southwest often and want to earn points toward future trips. It offers practical perks that can help offset travel costs.

    This card focuses on travel value rather than luxury features. It gives cardholders ways to earn points faster and enjoy benefits tied directly to Southwest Airlines.

    Earning Structure:

    • 4x points on Southwest Airlines® purchases
    • 2x points at gas stations and restaurants
    • 1x points on all other purchases

    Welcome Bonus:

    New cardholders can earn up to 100,000 Rapid Rewards points after spending $4,000 within the first five months of membership.

    Card Details:

    • Annual fee: $229
    • APR: Variable, typically 19.99%–28.49%
    • Other benefits: Annual travel credit, anniversary points, upgraded boardings (when available)
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None
    • Additional perks: Access to Southwest Rapid Rewards® program benefits

    Key Benefits:

    • Earn bonus points on Southwest purchases
    • Annual travel credit to use toward flights
    • Anniversary points each year
    • No foreign transaction fees
    • Upgraded boarding opportunities

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, car rentals, and gift cards through the Rapid Rewards program. Through Pay Yourself Back, points can also be applied toward the card’s annual fee.

    Credit Requirements:

    Applicants typically need good to excellent credit, often a score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card has an annual fee, and its best value is limited to those who fly Southwest often.

    Why it Works for Beginners:

    It provides simple ways to earn and redeem points, making it easy for new travelers to see value quickly.

  • Southwest Rapid Rewards® Premier Credit Card

    The Southwest Rapid Rewards® Premier Credit Card is designed for frequent Southwest Airlines travelers who want to earn points on everyday purchases. It also comes with travel-related features that can add value for those who fly with Southwest often.

    This card focuses on helping cardholders build Rapid Rewards points that can be redeemed for flights and other travel. It also provides some perks that make traveling with Southwest more convenient.

    Earning Structure:

    • 3x points on Southwest Airlines® purchases
    • 2x points on Rapid Rewards hotel and car rental partner purchases (through Dec. 31)
    • 2x points on local transit and commuting, including ride-hailing services (through Dec. 31)
    • 2x points on internet, cable, phone services, and select streaming providers (through Dec. 31)
    • 2x points at grocery stores and restaurants (on the first $8,000 in combined purchases per year)
    • 1x points on all other purchases

    Welcome Bonus:

    Earn 100,000 bonus points after spending $4,000 in the first five months from account opening.

    Card Details:

    • Annual fee: $149
    • APR: Variable, typically around 19.99% to 28.49%
    • Other benefits: 6,000 anniversary points each year, 2 EarlyBird Check-In credits annually
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • Earn tier-qualifying points toward A-List status
    • Anniversary bonus points each year
    • No foreign transaction fees
    • Travel protections included
    • EarlyBird Check-In credits

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, rental cars, and gift cards. Through Pay Yourself Back, points can also be applied toward the card’s annual fee.

    Credit Requirements:

    Generally requires good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card does not offer flexible transfer partners outside of Southwest, which limits redemption choices.

    Why it Works for Beginners:

    It offers simple earning categories and straightforward redemptions, making it easy for new travelers to understand and use.

  • Southwest Rapid Rewards® Plus Credit Card

    The Southwest Rapid Rewards® Plus Credit Card is designed for travelers who often fly with Southwest Airlines. It provides a simple way to earn points that can be redeemed toward flights and other travel rewards.

    This card focuses on giving value through its rewards program rather than luxury perks. It appeals to people who want straightforward benefits without extra complications.

    Earning Structure:

    • 2x points on Southwest Airlines purchases
    • 2x points on local transit and commuting
    • 2x points on internet, cable, and phone services
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 100,000 bonus points after spending $4,000 in the first five months of membership.

    Card Details:

    • Annual fee: $99
    • APR: Variable, typically around 19.99%–28.49%
    • Other benefits: 3,000 anniversary points each year
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to the Southwest Rapid Rewards program

    Key Benefits:

    • Low annual fee compared to other Southwest cards
    • Anniversary points each year
    • Ability to earn tier-qualifying points with spending
    • Rewards apply directly to Southwest flights
    • Simple earning categories

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, car rentals, gift cards, and more through the Rapid Rewards program. Through Pay Yourself Back, points can also be applied toward the card’s annual fee.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify, with a FICO score of 670–739.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees and offers fewer perks than higher-tier Southwest cards.

    Why it Works for Beginners:

    It offers an affordable entry point into travel rewards with a manageable annual fee and straightforward benefits.

  • Southwest® Rapid Rewards® Performance Business Credit Card

    This business travel card is designed for frequent Southwest Airlines flyers who want to earn rewards on everyday purchases. It supports business owners by pairing travel perks with ongoing earning opportunities.

    The card also provides access to benefits that make flying more comfortable and efficient. It is built for those who value Rapid Rewards points and want to maximize business spending.

    Earning Structure:

    • 4x points on Southwest Airlines purchases
    • 3x points on Rapid Rewards hotel and car rental partners (through Dec. 31, 2025)
    • 2x points at gas stations and restaurants
    • 2x points on hotel accommodations booked directly with the hotel
    • 2x points on local transit and commuting, including rideshares
    • 2x points on social media and search engine advertising, internet, cable, and phone services (through Dec. 31, 2025)
    • 1x point on all other purchases

    Welcome Bonus:

    Earn 80,000 bonus points after spending $5,000 in the first three months.

    Card Details:

    • Annual fee: $299
    • APR: 19.99%–28.49% variable
    • Other benefits: In-flight Wi-Fi credits through 2025, 25% back on inflight purchases, 9,000 anniversary points
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Earn tier qualifying points toward A-List status
    • Annual anniversary points boost
    • In-flight Wi-Fi credits
    • No foreign transaction fees
    • Strong earning categories for business expenses

    Redemption Options:

    Points can be redeemed for Southwest flights, hotel stays, car rentals, and gift cards. Through Pay Yourself Back, points can also be applied toward the card’s annual fee.

    Credit Requirements:

    Applicants typically need good to excellent credit (690 or higher).

    Spending Limitations / Potential Drawbacks:

    The annual fee is higher than some alternatives, and rewards are most valuable only when redeemed through Southwest.

    Why it Works for Beginners:

    It offers straightforward earning categories and simple redemption through Southwest, making it easy for new business owners to use.

Frequently Asked Questions

What are the current categories eligible for Chase Pay Yourself Back?

Chase rotates categories such as dining, grocery stores, and charitable donations. In 2025, categories have also included travel and online shopping. Eligible purchases change periodically, so checking Chase Ultimate Rewards for the latest updates ensures you get the highest redemption value.

How does Chase Pay Yourself Back compare to traditional cash back rewards?

Pay Yourself Back lets cardholders redeem points for more than the standard 1 cent per point value. This often results in a higher redemption rate compared to fixed cash back cards. For those who use Chase Ultimate Rewards, it provides more flexibility and potential value.

What are the latest promotions available for Chase Pay Yourself Back?

Chase runs limited-time promotions that increase redemption value by 25% to 50%. Categories such as dining and home improvement have been highlighted. These offers change frequently, so check your Chase account for the latest Pay Yourself Back rates and categories.

How has Chase Pay Yourself Back evolved in 2025?

The program now covers more everyday spending categories than when it first launched. Chase has broadened eligible purchases to encourage more frequent use. Cardholders have noted that the feature feels more integrated with common expenses in 2025.

How do point values differ when using Pay Yourself Back versus other Chase redemption options?

Pay Yourself Back often increases the per-point value compared to standard cash back or gift card redemptions. Points redeemed this way can be worth up to 1.5 cents each, depending on category and promotion. This flexibility helps cardholders get more value without restricting redemptions to travel.