# Chase Pay Yourself Back Q3 Categories and Redemption Rates

_Jul 3 20:00_

Tags: Air Canada, Chase Ultimate Rewards, Pay Yourself Back, Aeroplan Credit Card, Chase Freedom, Chase Freedom Flex, Chase Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Sapphire Reserve for Business

Chase has announced the Q3 Pay Yourself Back categories for its Ultimate Rewards cards, valid through September 30. Rates vary by card, with Chase Sapphire Reserve offering 1.5 cents per point for qualifying charities

> **Check before acting.** This offer was last reported 126 days ago, on July 3, 2026. Registration deadlines and bonus windows close. We do not track whether this one is still live, so check the program's own page before acting on it.

## Summary

Chase has updated its Pay Yourself Back program for Q3 2026, with all listed categories valid through September 30. The program allows eligible cardholders to redeem points for specific purchases at enhanced values. Key categories and redemption rates include:
- Chase Sapphire Reserve: 1.5 cents per point for qualifying charities; 1.25 cents for cardholder annual fee; 1.2 cents for gas and public transit.
- Chase Sapphire Preferred: 1.25 cents for qualifying charities; 1.1 cents for pet supply, veterinary, and annual fee; 1.05 cents for public transit.
- Chase Freedom Flex, Freedom Unlimited, Freedom, and Sapphire Reserve for Business: 1.25 cents for qualifying charities.
- Ink Business Preferred: 1.25 cents for qualifying charities; 1.1 cents for shipping, internet, cable, and phone.
- Ink Business Cash, Premier, and Unlimited: 1.25 cents for qualifying charities.
- Aeroplan Credit Card: Eligible for travel redemptions. This update provides specific redemption targets for Chase cardholders looking to maximize point value for the quarter

## Why it matters

Affects 3 airline programs (Air Canada, Southwest, United Airlines). Relevant for Marriott Bonvoy elites and award redeemers. Card-issuer angle via American Express, Chase.

## Sources cited

- [The Points Guy](https://thepointsguy.com/news/chase-pay-yourself-back) — Chase Pay Yourself Back Q3 categories — is it a good use of your rewards?

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